Scott Stearns

Scott Stearns Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Scott Stearns, Loan service, Birmingham, AL.

Christian, Husband, Father, Son and Residential Mortgage Lender
Blessed to serve families and help them get their new home for 23 years and absolutely LOVE IT!

06/23/2026

One thing that stood out in this conversation šŸ‘‡

There’s a big difference between teaching real estate from a textbook… and teaching it while you’re still actively helping clients every single week.

That’s what makes great agents and great mentors. Staying involved. Staying current. Staying in the game.

And if there’s one thing we’ve learned over the years… don’t tell Michelle she can’t do something. šŸ˜‚

We’re lucky to work alongside people who are passionate about helping both clients and the next generation of agents succeed.

Have you ever had someone motivate you by telling you something couldn’t be done? ā¬‡ļø

06/19/2026

The down payment conversation stops a lot of people before they even start looking.

But what surprises most buyers is there are programs designed specifically to help people get into a home sooner than they thought possible.

A lot of renters are way more qualified than they realize.

Sometimes it’s not about waiting years to save more money… it’s about knowing what options already exist.

If you’ve been wondering whether buying is even realistic right now, send me a message and let’s talk through it.

šŸ” Rent or Buy? It’s one of the biggest financial decisions you’ll make.The truth is, there’s no one-size-fits-all answer...
06/18/2026

šŸ” Rent or Buy? It’s one of the biggest financial decisions you’ll make.

The truth is, there’s no one-size-fits-all answer.

Renting can offer flexibility, lower upfront costs, and fewer maintenance responsibilities.

Buying can help you build equity, create long-term stability, and invest in your future.

The right choice depends on your goals, timeline, finances, and lifestyle.

If you’re wondering whether homeownership makes sense for you right now, a quick conversation can help you understand your options and run the numbers.

šŸ‘‰ Swipe through for a simple breakdown of the pros and considerations of each.

Are you currently renting, owning, or thinking about making a move? Let me know in the comments.

An oldie but a goodie.Reviews like this still mean a lot to me because getting your first mortgage can feel like a huge ...
06/17/2026

An oldie but a goodie.

Reviews like this still mean a lot to me because getting your first mortgage can feel like a huge step, especially if you’re someone who’s naturally cautious about the process.

At the end of the day, my goal is to make things feel less stressful, less confusing, and a lot more comfortable from start to finish.

Really appreciate the kind words, Robert. Hope you’re still loving the home.

Want to show up when buyers and sellers ask AI who the best agent is in town?The way people search for real estate infor...
06/15/2026

Want to show up when buyers and sellers ask AI who the best agent is in town?

The way people search for real estate information is changing fast. More buyers are turning to Google, ChatGPT, YouTube, Instagram, and other platforms before they ever reach out to an agent.

That’s why I’m inviting my Realtor partners to join this virtual class on How to Become Searchable in the AI Era hosted by Fairway Home Mortgage own, Ashley Caronna.

šŸ“… June 17
ā° 11:00 AM CST

If you’re looking to stay ahead of where the industry is headed, this is worth an hour on your calendar.

Drop a šŸ‘ below if you’re planning to attend and scan the QR code to register.

06/12/2026

Welcome to The Mortgage Mustang šŸŽļø

Think you need 20% down to buy a home? Not anymore. Many first-time buyers are closer to homeownership than they realize thanks to down payment assistance programs. DM me to see what options may be available.



Scott Waid Fairway Alabama

A lot of buyers hear ā€œdown payment assistanceā€ and assume it’s complicated, impossible to qualify for, or too good to be...
06/10/2026

A lot of buyers hear ā€œdown payment assistanceā€ and assume it’s complicated, impossible to qualify for, or too good to be true.

In reality, many programs are designed to help everyday buyers who simply need a little help getting started.

The biggest mistake I see is people ruling themselves out before ever exploring what options may be available.

You don’t have to figure it all out on your own. Shoot me a message or leave a comment below if you are interested in seeing your options.

Think renting is the safer option right now? šŸ¤”Here’s something worth considering:If your rent is $3,000 today and increa...
06/09/2026

Think renting is the safer option right now? šŸ¤”

Here’s something worth considering:

If your rent is $3,000 today and increases over time, there’s a good chance you’ll be paying significantly more years from now.

Meanwhile, many homeowners lock in a fixed mortgage payment that stays relatively stable while they build equity along the way.

The biggest difference isn’t just the monthly payment.

It’s whether that payment is helping build your future or someone else’s.

Every situation is different, and buying isn’t the right move for everyone. But if you’ve been wondering whether homeownership could make sense for you, it may be worth running the numbers.

šŸ“© Comment ā€œRENTā€ and I’ll send you information on what buying a home could look like based on your goals and budget.

Have questions about down payments, credit scores, or affordability? Drop them below. šŸ‘‡

06/08/2026

A different kind of real estate conversation.

I honestly believe the way someone handles adversity tells you a lot about who they are, both personally and professionally.

Real estate can be stressful and unpredictable at times, and having someone in your corner who knows how to stay resilient, push forward, and never quit matters more than people realize.

Really proud to work alongside people like Joey who bring that kind of strength and determination into the way they serve others.

06/05/2026

Address

Birmingham, AL
35242

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