Scott Stearns

09/02/2026

Cash offers can get a lot of attention, but financing doesn’t always have to mean sitting on the sidelines.

For eligible buyers, the Fairway Cash Guarantee™ may help strengthen a financed offer and give you a little more confidence when it’s time to compete.

Thinking about buying soon? Send me a message and I’ll walk you through how it works and whether you may qualify.

08/31/2026

When we say USDA loan, this is apparently what people hear. 😂

No gourds required.

If you’re curious whether a USDA loan could be an option for your next home, shoot me a message and let’s talk.

08/21/2026

Apparently “USDA” is a four-letter word Scott doesn’t mind hearing. 😂

For eligible buyers and properties, a USDA loan can offer 0% down, which could make buying a home more achievable than you thought.

And if the drive happens to include some sweet tea and turnip greens… even better.

Wondering if a USDA loan could work for you? Send me a message and let’s talk.

08/19/2026

You might be surprised by what qualifies for a USDA loan.

A lot of buyers hear “USDA” and immediately think rural farmland. But USDA financing is available in plenty of eligible areas and can offer 0% down financing for qualified buyers.

You also don’t have to be a first-time homebuyer.

If you’re thinking about buying and trying to keep your upfront costs down, it’s worth finding out whether USDA could work for you.

Have a property in mind? Send me the address and I’ll help you check it out.

08/17/2026

Birmingham Realtors, come hang out with us! 🙌

We’re hosting our first annual Realtor Rally with the MortgageBanc team, and this one is really just about getting everybody together outside of the normal workday.

We’ll have lunch, cold drinks, yard games, and plenty of time to catch up with some good people in the Birmingham real estate community.

And if you’ve been curious about the digital marketing stuff we offer our Realtor partners, we’ll have the Media Room open too. Come take a look around, meet the team, and see what we’ve got going on.

📅 Wednesday, September 16
⏰ Drop in anytime from 11 AM to 2 PM
📍2007 Eagle Ridge Drive, Birmingham, AL 35242

No presentations. No sales pitch. No agenda.

Just come grab some food, hang out for a little while, and hopefully have some fun with us.

Big thanks to Allison Insurance and Arch MI for helping us put this together.

Shoot me a DM if you’re coming. I’d love to see you there!

08/14/2026

When you hear “USDA loan,” do you immediately picture tractors, hay bales, and a house way out in the country? 🚜

You might be surprised.

USDA loans offer no down payment financing for eligible buyers and properties, and some eligible areas are a lot closer to bigger towns and cities than most people realize.

If home affordability has you thinking buying isn’t in the picture, this is one option worth knowing about.

Want to know if a home or area qualifies? Send me a message and I’ll help you take a look.

08/12/2026

Think you need 20% down to buy a home? You might have more options than you think. 🏡

For buyers looking in eligible rural and suburban areas, a USDA loan can offer some pretty big advantages, including:

✅ 0% down payment required
✅ Low mortgage insurance
✅ Flexible credit guidelines

And “rural” doesn’t always mean way out in the country. You might be surprised by which areas qualify.

Curious if a home or area you’re considering is USDA eligible? Send me a message and I’ll help you take a look.

08/10/2026

🚨 Agents 🚨

Join us August 26 at 11:00 AM CST for a special class hosted by Ashley Caronna of Fairway Home Mortgage.

Ashley will share how to create hyperlocal content that builds trust, highlights your market expertise, and keeps you top of mind with future buyers and sellers.

Register here: https://bit.ly/AugustSocialSales26

08/07/2026

Veterans: don’t disqualify yourself from homeownership before talking with us. 🇺🇸🏡

VA loans may offer more flexible credit requirements, competitive rates, and no down payment for eligible borrowers. Helping veterans reach this milestone is one of the most rewarding parts of what we do.

Mike Rogan and I break it down in this episode of Realtor Rubicon. Have questions about your options? Send me a message or comment below. ⬇️

08/07/2026