Mortgages by Scott

Mortgages by Scott Mortgage broker helping self-employed business owners and real estate investors qualify for home loans, including bank statement, DSCR, and jumbo mortgages.

05/04/2026

I get to visit some amazing places with my wife and meet some very successful people. They are all self employed. The joke about being self employed is that you get to work half days, 7 am to 7 pm. But the risk can be worth the reward!

Spent the morning at an Olympic dressage trainer’s barn in Tryon with my wife Stacey. Grand Prix dressage and non-QM len...
04/29/2026

Spent the morning at an Olympic dressage trainer’s barn in Tryon with my wife Stacey. Grand Prix dressage and non-QM lending have more in common than you’d think — both require years of precision work that W-2 employees just don’t understand. 🐴 If you’re self-employed and been told you don’t qualify, let’s talk.

03/24/2026

Self-employed. Profitable. Denied. 🙃
If a bank turned you down because your income “doesn’t fit the box”, you don’t have an income problem. You have a loan product problem.

Bank statement loans let us qualify you on what actually hits your account, not what your tax return says after write-offs.

I work with self-employed borrowers every day who got told no somewhere else. Most of them close just fine. 👇
Drop a comment or DM me and let’s take a look at your situation.

lakenorman

03/05/2026

Self Employed and buying a Luxury Home? BEFORE going under contract make sure you know if you can get a mortgage using your tax returns OR you need to use Bank Statements instead. Visit the link in my profile to schedule a consultation.

02/27/2026

If you’re self-employed and looking at a $1M+ home, most lenders will only qualify you using tax returns.

That works… unless your CPA did a great job lowering your taxable income.

Taxable income and cash flow are not the same thing.

There are other ways to structure this.
Full breakdown is on YouTube. Link in bio.

Self-employed income isn’t second-class income.The issue usually isn’t qualification. It’s interpretation. Most lenders ...
02/27/2026

Self-employed income isn’t second-class income.

The issue usually isn’t qualification. It’s interpretation. Most lenders simply aren’t trained to evaluate complex business income the right way.

Comment “business owner” if this has happened to you.

02/24/2026

If you’re self-employed and looking at luxury homes, don’t assume a jumbo loan works like a normal mortgage.

It doesn’t.

Jumbo underwriting looks at:
�• Tax returns�• Liquidity�• Reserves�• Business stability

I’ve seen successful business owners get surprised at this stage. Before you go under contract, make sure the structure works.
Full breakdown is on YouTube.
Link in bio.

02/23/2026

Want to buy your next luxury home before selling your current one?

There’s a smarter way to do it — without the expensive fees a lot of people are pushing, and without needing a big equity position in your current home.

DM or go to mortgagesbyscott.com and I’ll help you figure out if it fits your situation.

02/13/2026

Self-employed income isn’t second-class income.

The problem isn’t how much you make.
It’s how your income is interpreted.

Most lenders are trained to approve clean W-2 files. When income is complex, they default to “no.”

Complex doesn’t mean unqualified.
If this has happened to you, comment “business owner.”

02/11/2026

You don’t want to get denied.
But what you really don’t want…
Is getting denied in front of your Realtor.

I see it every year. Successful business owners making great money apply the “normal way”
and get blindsided because their income wasn’t structured correctly.

If you’re self-employed, the smart move isn’t applying first. It’s getting a strategy first.
👉 Start with a gut-check before you apply.
(Link in bio)

bankstatementloan

Address

121 North Main Street, Suite 202
Mooresville, NC
28115

Opening Hours

Monday 8:30am - 6pm
Tuesday 8:30am - 6pm
Wednesday 8:30am - 6pm
Thursday 8:30am - 6pm
Friday 8:30am - 6pm
Saturday 11am - 4pm

Website

Alerts

Be the first to know and let us send you an email when Mortgages by Scott posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Shortcuts

Share

Category