Scott Osborne / Maven Mortgage

11/21/2025

I’ve learned that lenders and Realtors don’t always mean the same thing when they say “pre-approval.”

There are really two types:

1. Basic Pre-Approval
We collect income and asset docs, pull credit, complete the loan application, and issue a pre-approval letter.

2. Full Credit Approval
This is a full file submission to underwriting. The borrower is approved pending a property, appraisal, and title work.

I use this second type for higher risk borrowers, past bankruptcy, high debt-to-income, recent late payments, etc.

For every borrower, I personally require:
• Most recent 30 days of pay stubs
• Last 2 years of W-2s
• Most recent bank statement
• A fully completed loan application
• A tri-merge credit report that we pull

If I think a file needs the full-submission route, I’ll wait to issue the pre-approval letter until underwriting has reviewed and signed off on the credit side.

Bottom line: Getting solid documentation upfront avoids about 95% of surprises later.

If you want to talk home loans, let’s talk.

📱(256) 744 4637
💻 www.OsborneHomeLoans.com
📧 [email protected]
✅ NMLS 192771

06/23/2025

House hunting? Let’s get you pre-approved so you’re ready when the right one comes along.
Give me a call—let’s talk home loans! 🏡

📱(256) 744 4637
💻 www.OsborneHomeLoans.com
📧 [email protected]
✅ NMLS 192771

06/15/2025

🎉 Happy Father’s Day! 👔

Today, we celebrate the hardworking dads, grandfathers, and father figures who lead with love, provide with strength, and inspire with wisdom.

From tying ties to signing mortgage docs, you do it all. 💪🏡

Wishing all the incredible dads a day filled with appreciation, relaxation, and maybe even a little quiet time (we can dream, right?).

From your friends at
Maven Mortgage

📱(256) 744 4637
💻 www.OsborneHomeLoans.com
📧 [email protected]
✅ NMLS 192771

05/25/2025

Before we all get into the BBQs and backyard hangouts, I just want to take a second to say thank you to the brave men and women who gave everything for our country.

Memorial Day is about remembering them—and I hope we all take a quiet moment to do just that.

Also, if you’re a veteran or currently serving, and you’ve got questions about using a VA loan or buying a home, I’m always here to help. No pressure, just real answers.

Wishing you a safe and meaningful weekend. 🇺🇸

📱(256) 744 4637
💻 www.OsborneHomeLoans.com
📧 [email protected]
✅ NMLS 192771

05/07/2025

Home buyers, take note: The Federal Reserve just kept interest rates unchanged. That’s a good sign the market’s stabilizing—and a great window of opportunity if you’ve been waiting to buy a home.

Locking in a rate now could save you money down the road. Let’s chat if you’re thinking about taking that first step.

📱(256) 744 4637
💻 www.OsborneHomeLoans.com
📧 [email protected]
✅ NMLS 192771

05/02/2025

Hey friends—quick note!

If you or someone you know is thinking about buying a home, refinancing, or just has questions about how home loans work, I’m here to help. I’m a licensed loan officer, and I love helping people figure this stuff out.

It doesn’t have to be overwhelming—we can talk through your options and see what makes sense for you. No pressure at all.

Shoot me a message if you ever want to chat!

📱(256) 744 4637
💻 www.OsborneHomeLoans.com
📧 [email protected]
✅ NMLS 192771

04/05/2025

Get LOW mortgage rates in seconds. Use our online pre-approval tool or our refinance rate checker -- don't miss out on these deals!

03/21/2025

Friday Home loan Closing 🎯
Clear to Close for a Monday home loan closing 🎯

03/20/2025

03/20/2025

“We make a living by what we get, but we make a life by what we give.” Winston Churchill