Scott Stearns

06/01/2026

A lot of people I’ve worked with in Birmingham thought they needed a huge down payment before buying a home.

What they found out was there are loan programs and down payment assistance options that can help buyers get into a home with less down than they expected.

The biggest mistake I see is people assuming they have to wait years before even exploring their options.

Sometimes a quick conversation is all it takes to realize you may be closer than you think.

If you’ve been wondering whether buying is possible for you, send me a message and I’d be happy to walk through your options.

05/29/2026

A lot of people think real estate is just showing homes and closing deals.

It’s not.

Had a great conversation with Michelle about what actually goes into it… and what most people completely underestimate.

The reality? It takes grit, consistency, and a genuine passion for helping people.

It’s not always pretty. It’s not always easy. But when it’s done right, it makes a huge impact.

This is exactly why having the right Realtor in your corner matters.

05/27/2026

Ever feel like you’re falling behind because everyone else is buying a home right now?

That’s homebuyer FOMO… and it can push people into decisions they’re not fully ready for.

Here’s the reality 👇
Buying a home is personal. Your timeline, your finances, your comfort level.

Not your friend’s. Not the market headlines.

This article does a great job breaking down how to stay grounded, make smart decisions, and avoid rushing into something just to “keep up.”

Take a minute and give it a read:
https://www.fairway.com/articles/tips-for-beating-homebuyer-fomo

If you want help figuring out what your right timing looks like, I’m always here to talk it through.

Credit card and personal finance expert Beverly Harzog shares her expert advice for getting over homebuyer FOMO (Fear Of Missing Out).

05/26/2026

Birmingham just got ranked the #2 city for first-time homebuyers by Zillow… and honestly, not surprised.

You’ve got a strong mix of affordability, growth, and opportunity here that a lot of markets just don’t have right now.

But here’s the part that matters most 👇
Just because it’s a great market doesn’t automatically mean it’s the right time for you.

That comes down to your numbers, your goals, and your game plan.

If Birmingham’s been on your radar, it might be worth taking a closer look at what’s possible.

Message me if you want to run through it.

05/22/2026

05/22/2026

On The Dock with Scott & Scott Season 3 is officially here!

And we’re starting with a question I hear all the time right now 👇

“Should I wait to buy?”

A lot of people are hitting pause because of payments… but what if you didn’t have to?

There are options out there that can give you some breathing room on the front end while still getting you into a home now.

That’s exactly what we’re breaking down in this one.

If you’ve been sitting on the fence, this might be worth a watch.

And if you want to see how something like this could work for you, just reach out.

05/20/2026

Renting vs owning… but not the way it usually gets talked about.

Most people focus on the monthly payment.

But the real difference is what that payment is doing for you over time.

Rent = covers your housing right now.
Own = covers your housing AND builds something in the background.

That doesn’t mean owning is right for everyone today. And this isn’t a push.

It’s just understanding the difference so you can make the right call for your situation.

If you’ve ever wondered what that could look like for you, I’m happy to break it down.



Scott Stearns MortgageBanc - Fairway Independent Mortgage Corp. nmls #2289

05/18/2026

What if you didn’t have to make a mortgage payment right away?

Sounds a little too good to be true… but there are actually programs that can give you a few months of breathing room when you first buy.

And for a lot of people, that’s the difference between waiting and getting started now.

Moving costs, furniture, life… it all adds up fast. Having that cushion early on can make a big difference.

It’s not for everyone, but it’s definitely something worth knowing about.

If you’re curious how it works or if it could fit your situation, just reach out.

Fairway Home Mortgage

05/15/2026

Fairway is hosting a quick class on how to turn everyday clips into clean, usable content using the Edits app.

Nothing overcomplicated. Just a faster way to stay consistent without it taking over your day.

📅 May 27th
⏰ 11:00 AM CST

If content has been sitting on your “I know I should be doing more” list… this is a solid place to start.

Use the QR code to grab your spot or shoot me a message and I’ll get you the link.

Would love to see some of you on there.



Fairway Home Mortgage MortgageBanc - Fairway Independent Mortgage Corp. nmls #2289