MortgageRight- Scott Phillips

MortgageRight- Scott Phillips Your one stop local mortgage shop for all things mortgage related. Let see how we can help YOU! Mortgage Right Corporation is an Equal Housing Lender
NMLS #12007

NMLS 2239
Personal NMLS 1023362
727-244-1963
Equal Housing Lender
https://nmlsconsumeraccess.org/
https://scottphillipsmortgage.com/ With 9+ years' experience, Multi-Platinum and Multi Diamond producer awards for 2018-2022, we can help either get you the home of your dreams, vacation home, or refinance your existing mortgage to better your needs. We strive to make the process as smooth as possible

and plan on building lasting relationships with not just our clients, but our referral partners as well.

Let’s tap into that equity! Got debt? Want a pool? Don’t want to lose your low rate? We have options!
08/28/2026

Let’s tap into that equity! Got debt? Want a pool? Don’t want to lose your low rate? We have options!

I can say not every transaction is a breeze. A lot of deals have hurdles and unexpected surprises that can come from all...
08/25/2026

I can say not every transaction is a breeze. A lot of deals have hurdles and unexpected surprises that can come from all different angles, but sometimes it’s a simple process!

When you hear “mortgage payment,” it’s easy to think it’s simply the price of the house divided into monthly payments. T...
08/20/2026

When you hear “mortgage payment,” it’s easy to think it’s simply the price of the house divided into monthly payments. There’s actually a little more to it.

Your monthly payment can include principal, interest, property taxes and homeowners insurance. Depending on the type of loan, mortgage insurance may also be part of the equation. That’s why two homes with the exact same purchase price can have two very different monthly payments.

When I’m helping someone look at financing, I want them to understand the whole number, not just the interest rate or purchase price. The goal isn’t simply to qualify for a house. It’s to find a payment that makes sense for you.

Have questions about what your payment could look like? Give me a call. I’m always happy to run the numbers.

Scott Phillips
MortgageRight
727-244-1963
NMLS #1023362

I hear it all the time: “I’m waiting for rates to come down before I buy.”But here’s the thing—the housing market isn’t ...
08/15/2026

I hear it all the time: “I’m waiting for rates to come down before I buy.”

But here’s the thing—the housing market isn’t waiting.

Homes are still selling, buyers are still making moves, and there are opportunities in today’s market. You don’t necessarily need the lowest rate to make buying a home a good decision. You need the right home, the right payment, and a mortgage strategy that makes sense for you.

And if rates improve down the road? We can always look at whether refinancing makes sense.

If buying a home has been on your mind, your first step isn’t finding a house—it’s finding out what you qualify for and what the numbers actually look like.

Let’s get you preapproved and ready when the right house comes along.

A common misconception is that you need perfect credit to buy a home. The reality? Different loan programs have differen...
08/14/2026

A common misconception is that you need perfect credit to buy a home. The reality? Different loan programs have different credit requirements, and your credit score is just one piece of the puzzle. Lenders may also consider your income, debt, employment history, down payment, and overall financial picture when evaluating your loan options. Have questions about your situation? Send me a message. I’m happy to help you understand your options!

The mortgage you got when you bought your home may not be the best fit for you today.Rates change. Home values change. A...
08/13/2026

The mortgage you got when you bought your home may not be the best fit for you today.

Rates change. Home values change. And your financial goals can change too.

If it’s been a while since you’ve looked at your mortgage, it may be worth running the numbers. Refinancing could potentially lower your rate, change your loan term, or simply put you in a better position financially.

Not sure if it makes sense for you? That’s what I’m here for. Give me a call and we can take a look at your current loan and see what your options are.

Scott Phillips
Loan Officer | MortgageRight
727-244-1963
NMLS #1023362

🏡 A little extra can make a BIG difference over time.Even small additional payments toward your mortgage principal can h...
07/03/2026

🏡 A little extra can make a BIG difference over time.

Even small additional payments toward your mortgage principal can help you pay off your home faster and reduce the total interest paid over the life of the loan.

Some homeowners make one extra payment each year, while others simply add a little extra each month.

The right strategy depends on your goals and budget—but understanding your options can help you build equity and long-term wealth faster. 📈

Hiring a moving company? Asking the right questions before booking can help you avoid unexpected costs to understand wha...
06/23/2026

Hiring a moving company? Asking the right questions before booking can help you avoid unexpected costs to understand what’s included, and feel more confident on moving day. A little preparation upfront can make the entire moving process smoother!

If the market has made buying feel impossible, I do not want you guessing from headlines.Sometimes the answer is not “wa...
06/19/2026

If the market has made buying feel impossible, I do not want you guessing from headlines.

Sometimes the answer is not “wait forever.”

Sometimes the answer is looking at the loan structure differently.

A temporary buydown may help with the early payment.

A low down payment loan may help preserve cash.

An alternative income option may help certain self-employed buyers show income in a way that fits their real business.

None of these are one-size-fits-all.

But they are exactly why the mortgage conversation matters before you count yourself out.

06/16/2026

Me, quietly rearranging income, debts, credit, down payment, lender rules, and thirteen tiny details so the loan can finally make sense.

This is why “just apply online” makes me blink twice.

The math has layers. The file has personality. The lender has opinions.

And somehow, we are going to make everybody get along.

Save this for later...
Send it to someone who thinks mortgage approvals are just vibes and a submit button.

Address

Services Available In:
Chattanooga, TN
37402

Opening Hours

Monday 8:30am - 7pm
Tuesday 8:30am - 8pm
Wednesday 8:30am - 8pm
Thursday 8:30am - 8pm
Friday 8:30am - 8pm

Telephone

+14234647131

Website

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