Scott Brom Mortgage Lender Arizona and Minnesota

Scott Brom Mortgage Lender Arizona and Minnesota I grew up in White Bear Lake, Minnesota and currently live in Lino Lakes. I have a wonderful wife (Alyssa) and two kids (Brock & Blake).

Arizona and Minnesota Mortgage Lender
Helping buyers move forward with clarity and speed

NMLS 2455137 | Revolution 1686046
Start here: bit.ly/scottbromhomeloans In my free time I enjoy playing golf, watching sports, spending time on a lake, and going on fun adventures with my family. I got into the mortgage business to help people achieve their goal of homeownership.I truly enjoy helping people a

chieve something they want. I believe owning real estate is one of the best ways of building wealth for your family. I would love the opportunity to earn your trust and help you and your family get into the home you desire. Contact me for any home mortgage needs. I look forward to hearing from you and learning about you and your goals!

06/10/2026

One of my favorite parts of being a mortgage lender is helping people realize they may be much closer to homeownership than they think.

I started working with this buyer back in March.

At the time, he wasn't able to qualify because of some credit Issues.

Instead of telling him no, I put together a game plan.

He followed the plan perfectly and in just three months raised his credit scores by over 70 points.

Now he's under contract to buy his first home.

If you've been putting off buying a home because you're worried about your credit, don't count yourselt out.

Sometimes all you need is the right guidance to get you there.

If you're wondering where you stand or want help getting your finances in order, give me a call or shoot me a DM.

Always happy to help out!

06/08/2026

POV: your loan officer is from Minnesota.

Lately I've been reflecting on the last 3+ years in the mortgage business.I'm incredibly grateful for every client, real...
06/04/2026

Lately I've been reflecting on the last 3+ years in the mortgage business.

I'm incredibly grateful for every client, realtor, friend, and family member who have trusted me with their home loan needs and referred people my way.

Thank you for the support. It truly means a lot.

I'm grateful for the relationships built along the way and excited for what's ahead.

If you know someone in Arizona or Minnesota who's thinking about buying a home or refinancing, I'd appreciate the opportunity to help them out.

06/03/2026

Most people think they need perfect credit, 20% down, and two years at the same job to qualify for a home loan.

Lenders look at your overall financial picture to determine your qualifications.

Lenders look at 4 main factors:
Income
Credit
Monthly debts
Assets

If you're thinking about buying a home don't guess where you stand.

A quick pre-approval can give you a clear roadmap and show you exactly what options are available.

Reach out anytime!

Scott Brom
Arizona and Minnesota Mortgage Lender
651-295-4844

05/27/2026

I finally did it... bought my first pair of New Balances.

Pretty sure the second | put them on I unlocked full boomer dad mode.

Suddenly I'm talking about how interest rates used to be 18%, turning off lights behind people, yelling about the thermostat, and asking if we live in a barn every time the door gets left open.

If you see me at Costco this weekend... just know the transformation is complete.

05/21/2026

Waiting for rates to drop before buying a home?

I get the logic but here's what most people don't think about.

Home prices are projected to keep rising around 4% per year.

That means a $400,000 home today will likely be worth around $435,000 in just 2 years.

Even if rates come down, you could still end up with a similar payment because you're buying a more expensive home.

Another thing people forget: when rates drop, more buyers jump back into the market, competition heats up, and prices could jump even higher. Remember 2020...

Contrary to what social media loves to say.... NO, the housing market is not crashing anytime soon.

You can always refinance later, you can't go back and buy at yesterday's prices.

If you're thinking of buying in Arizona or Minnesota let's see what actually makes the most sense for your situation.

Congratulations to our first-time homebuyers on closing on this beautiful home in the highly desirable Mac-Grove neighbo...
05/18/2026

Congratulations to our first-time homebuyers on closing on this beautiful home in the highly desirable Mac-Grove neighborhood in St. Paul, Minnesota!

After about a year of searching for the right fit in the neighborhood they truly wanted, they finally found the pertect home, and we were able to get them to the closing table a few days early.

Big shoutout to my buddy Nick Mansur for being a great partner on this one. Always great working together to help make the process smooth for our clients.

If you're looking to buy or sell in Minnesota, I highly recommend reaching out to Nick. He'll take great care of you.

Even though I live in Arizona now, I'm still licensed in Minnesota and Arizona and love helping my Minnesota clients with buying, selling, or refinancing. If you've been thinking about making a move, I'm always happy to help!

Scott Brom
Arizona & Minnesota Loan Officer
651-295-4844

05/15/2026

Thinking about buying a home but don't know where to start?

You're not alone.

One of the biggest misconceptions I hear is, "I'll reach out when I'm ready".

The best time to start a conversation with a lender is 6 months to a year before you plan to buy.

This gives us time to build a plan.

We can look at your budget, monthly payment goals, down payment options, and make sure there aren't any surprises on your credit report.

I always start with a a soft credit check that doesn't affect your scores.

Best part? It's completely free to see where you stand, even if buying feels a ways off.

No pressure or obligation.

Just a clear plan to help you get prepared for when the time is right.

Shoot me a message or give me a call if buying a home is on your radar and you're not sure where to begin.

Scott Brom
Mortgage Loan Officer
651-295-4844

05/12/2026

A mortgage is not Amazon Prime.

The flashiest option or lowest advertised rate does not always mean the best deal.

A lot of lenders advertise a super low rate to get your attention, but what matters is what it actually costs to get that rate.

Points, lender fees, and other upfront costs can vary a lot.

Sometimes the "better rate" ends up costing you thousands
more.

Mortgage rates are not a one size fits all.

The rates you qualify for depends on things like credit score, down payment, loan type, property type, and overall financial profile.

That flashy rate in the ad may not even apply to your situation.

The lowest advertised rate does not always equal the best mortgage for you.

05/11/2026

The biggest mistake first time buyers make?

Thinking their first home needs to be their dream home.

Honestly, it probably shouldn't be.

A lot of people wait because they can't afford the "forever home" they picture in their head.

That mindset can cost you years of building equity.

I bought my first townhome in Minnesota with minimal money down. About 2.5 years later, we sold it and made over $70,000.

This became the down payment for our next home.

Lived in that home about 5 years and sold it for about $150,000 more than we paid.

That helped us move to Arizona and even pay off Alyssa's student loan debt.

The goal of your first home isn't perfection.

The goal is to get in the game, build equity, and create options for your future.

Your first home is the stepping stone to your dream home.

Address

White Bear Lake, MN

Telephone

+16512954844

Website

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