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.

04/29/2026
04/24/2026

🏡Pending Home Sales (signed contracts on existing homes) rose 1.5% from February to March, showing buyers remained activ...
04/22/2026

🏡Pending Home Sales (signed contracts on existing homes) rose 1.5% from February to March, showing buyers remained active despite higher mortgage rates and signaling ongoing pent-up demand, according to the National Association of Realtors (NAR).

04/21/2026

Let’s get you to the finish line the RIGHT way!

04/20/2026

One of the hardest calls people get is this one:

“Your mortgage was denied.”

And for a lot of buyers, that moment feels final.

I’ve seen buyers get denied by a big bank…

then get approved two weeks later with another lender.

Why?

Because lenders evaluate things differently.

Some are stricter with debt.
Some are better with self-employed income.
Some specialize in buyers with lower credit.

A denial doesn’t always mean you can’t buy.

Sometimes it just means you talked to the wrong lender first.

Don’t believe the hype! In 2025, over half of my clients put less than 10% down, and 25% of my clients put down 3.5% or ...
04/17/2026

Don’t believe the hype! In 2025, over half of my clients put less than 10% down, and 25% of my clients put down 3.5% or less.

Most buyers focus on getting approved and closing.But what happens after matters just as much.đź’ˇ Simple tip: Make 1 extra...
04/17/2026

Most buyers focus on getting approved and closing.

But what happens after matters just as much.

đź’ˇ Simple tip: Make 1 extra mortgage payment a year.

Here’s how:
• Switch to bi-weekly payments (if allowed)
• Save a little each month to make one extra payment
• Or make one lump-sum payment yearly

That one extra payment can cut down your interest and save you money over time.

It’s not just about the rate… it’s about the strategy!

The housing market slowed down in April. Buyer activity dropped as mortgage rates moved higher, even though home prices ...
04/13/2026

The housing market slowed down in April. Buyer activity dropped as mortgage rates moved higher, even though home prices stayed fairly steady.

🚨 Quick Reality Check on Rates:Inflation just came in at 3%—right where expected.Sounds good… but here’s the catch:👉 It’...
04/09/2026

🚨 Quick Reality Check on Rates:

Inflation just came in at 3%—right where expected.

Sounds good… but here’s the catch:

👉 It’s still a little too high
👉 The Fed isn’t rushing to cut rates
👉 Mortgage rates = staying higher for longer

Translation:
Waiting could cost you more than acting.

🏡 The best time to buy is when it makes sense for YOU—not when headlines say “perfect.”

Most people look at buying a home and only see one thing…💸 “What’s the monthly payment?”They’re thinking: • Down payment...
04/08/2026

Most people look at buying a home and only see one thing…

💸 “What’s the monthly payment?”

They’re thinking:
• Down payment
• Closing costs
• That monthly number

And that’s it.

But here’s what a lot of people don’t realize until later…

Owning a home isn’t just about having your own place.

It can actually work for you financially too.

Then tax season rolls around and suddenly it’s:

👀 “Wait… THAT counts?!”
• Mortgage interest
• Property taxes
• Potential capital gains break down the road
• Even a home office write-off (if you qualify)

That’s when it clicks 💡

Buying a home isn’t just a “monthly payment” decision…

It’s part lifestyle upgrade
AND part long-term money move.

That’s why I always tell my clients 👇
Don’t just look at the payment… look at the full picture.

Because owning can do way more for your future than most people think.

DM me to find out more!

Come check out this Beautiful Open house Sunday 2-4!
04/07/2026

Come check out this Beautiful Open house Sunday 2-4!

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

https://mortgageright.com/

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