What are the opening hours?

Monday 8am - 8pm Tuesday 8am - 8pm Wednesday 8am - 8pm Thursday 8am - 8pm Friday 8am - 8pm Saturday 10am - 6pm Sunday 10am - 6pm

Resource Financial Mortgage: Scott Way, Mortgage Broker/Owner NMLS #1282209

Home
United States
Newport Beach, CA
Resource Financial Mortgage: Scott Way, Mortgage Broker/Owner NMLS #1282209

Providing opportunities for low rates, hassle free mortgages for buying or refinancing a home throug I have been involved in real estate for over a decade.

I have been employed as a Retail Loan Officer at a Direct Lender as well as an Account Executive at a Direct Lender/Wholesale Lender. I understand the nuances of the lending industry and will know if a loan will work or not. Zero Cost Loans, Lower Rates, Costs and Superior Service! I specialize in ZERO COST loans where you can take advantage of interest rate improvements by reducing interest rate periodically with no exposure to the costs of obtaining financing. By reviewing your custom Loan Cost Analysis ™, you can easily determine if it makes sense to pay any costs or not. For my borrowers, the key benefit of working with a mortgage broker is that they should be able to find you a better deal on your mortgage than you can find shopping on your own. I do this through a broad range of respected networks, as well as through searching for special programs unavailable to the public on a direct basis. Being a broker allows me to shop for the best rates that best suit my clients. I can shop at 20+ different lenders, as all may have different guidelines. Since I broker and process all of my loans, I am the primary contact accessible to my clients. I have a terrific team as well that supports me. I also analyze my clients' credit report and will work to repair their credit if necessary. I will go over the closing statements in detail to explain all closing costs (none if a Zero Cost Loan). I will always beat the "Direct Lender" or "Big Bank" rates, fees and customer service. Whether you are purchasing or refinancing, I am a proven professional that utilizes my knowledge and experience with real estate market rates to my clients' benefit. My honesty, attention-to-detail and customer service skills have built my successful track record. I am a committed and passionate professional who puts my clients' best interests and satisfaction above all else. All this has resulted in a loyal clientele. With my extensive background in the mortgage industry and experience as an Account Whole Representative in Wholesale Lending, a licensed Mortgage Broker and Loan Officer and my understanding of the nuances of the Mortgage Loan business, I aim to help and advise my clients! I am a licensed Broker and Loan Officer. I hold an Engineering degree from Cal Poly San Luis Obispo, California and also hold an MBA from University of Redlands, California. I currently reside in Orange County, CA, with my wife and daughter. Zillow Customer reviews http://www.zillow.com/profile/scottway/

09/16/2026

Which one stands out to you the most?

09/14/2026

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗦𝗲𝗽𝘁𝗲𝗺𝗯𝗲𝗿 𝟭𝟰, 𝟮𝟬𝟮𝟲

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝗺𝗼𝘃𝗲𝗱 𝗵𝗶𝗴𝗵𝗲𝗿 👎
Mortgage rates moved quite a bit higher last week as rising oil prices added to inflation concerns, and both wholesale and consumer inflation showed prices picking up again.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗹𝗶𝗸𝗲𝗹𝘆 𝘁𝗼 𝗺𝗼𝘃𝗲 𝗵𝗶𝗴𝗵𝗲𝗿 👎
Mortgage rates could push to new highs for the year this week, depending on how markets react to this week's Fed meeting and what happens in the Middle East and with oil prices. It is extremely unlikely that rates have any chance of moving lower this week.

📈 𝗪𝗵𝗮𝘁’𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
• The Fed: Markets expect the Fed to hike its policy rate this week to fight inflation, and mortgage rates have already priced in that move. If the Fed hikes as expected, it could actually help mortgage rates. However, if the Fed holds off and doesn't hike, markets could react poorly over concerns that inflation will remain unchecked, pushing mortgage rates higher. That's right, a Fed rate hike is actually favorable for mortgage rates this week.
• Middle East: Continued violence could push oil prices even higher, which would put additional upward pressure on mortgage rates.

09/09/2026

POV: I’m reviewing your bank statement and see a random $50,000 deposit… 😅

My first question: “Okayyy… where did that come from?”

Here’s why 👇

When you’re buying a home, large deposits can raise questions during underwriting. Mortgage professionals need to know where the money came from and have documentation to back it up.

Maybe it was:
💰 A gift from family
🚗 Money from selling something
🏦 A transfer from another account
💼 A bonus or other income

None of those automatically mean there’s a problem — I need to be able to explain and document it.

So before you move a big chunk of money around while buying a home, talk to a mortgage pro or talk to me first.

A 2-minute conversation now can save you a whole lot of headache later. 🙌

09/08/2026

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗦𝗲𝗽𝘁𝗲𝗺𝗯𝗲𝗿 𝟳, 𝟮𝟬𝟮𝟲

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝗺𝗼𝘃𝗲𝗱 𝗵𝗶𝗴𝗵𝗲𝗿 👎
Mortgage rates continued to creep higher last week, helped along by rising oil prices and markets pricing in a possible Fed rate hike this month after Fed Chair Warsh's comments in Jackson Hole and stronger-than-expected jobs data.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝘄𝗼𝗿𝘀𝗲𝗻 👎
This week features a focus on inflation, and if it comes in higher than expected it will pressure rates higher. Rates will also be influenced by oil prices, which continue to rise. It looks likely that mortgage rates will continue to creep higher unless something unforeseen happens this week.

📈 𝗪𝗵𝗮𝘁’𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
• The Fed: Mortgage rates currently reflect about a 60% chance of a Fed rate hike this month, and if inflation comes in hot, that could increase. Mortgage rates rise ahead of actual Fed rate hikes, so if markets anticipate a hike after this week's data, it will push mortgage rates higher to end the week.
• Inflation data: Wholesale inflation data comes out on Thursday, with consumer inflation data on Friday. If inflation comes in hotter than expected, it could push mortgage rates up to end the week.
• Oil: If oil prices continue to rise this week, it will pressure mortgage rates higher.

09/02/2026

😎 🍉 𝗛𝗮𝘃𝗲 𝗳𝘂𝗻 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸𝗲𝗻𝗱! 🚤 🍦

08/31/2026

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗔𝘂𝗴𝘂𝘀𝘁 𝟯𝟭, 𝟮𝟬𝟮𝟲

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝘀𝗹𝗶𝗴𝗵𝘁𝗹𝘆 𝘄𝗼𝗿𝘀𝗲 👎
Rates have been pretty stable this month but ended last week near their highest levels. Most borrowers wouldn't see a change in rate, but may see a difference in the credit or points needed to get that rate.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝘄𝗼𝗿𝘀𝗲𝗻 👎
Rates could move higher this week as oil prices rise on increased tensions in the Middle East and markets worry the Fed may hike rates at its next meeting. Any increase may be small, but it's tough to see rates moving much lower from here.

📈 𝗪𝗵𝗮𝘁’𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
• The Fed: Fed Chair Warsh's Jackson Hole speech last week raised concerns that the Fed may hike rates as soon as the next Fed meeting in September to fight stubborn inflation. There is some concern the Fed may hike rates twice before the end of the year, despite upcoming midterm elections.
• Labor data: Several jobs reports come out this week, with Friday's BLS jobs report being the most important. The report will show how many jobs were created in August as well as the unemployment rate. Weak job numbers could help mortgage rates, while stronger numbers could increase the chances of a Fed rate hike in September.

08/26/2026

Starting a new job while buying a home? Here’s what I want you to know. 👇

Please talk to me before you put in your notice. 😅

Changing jobs doesn’t automatically mean you can’t buy a home, but the timing matters.

If you’re starting a new job, I’m going to need to know:

👉 When is your last day at your current job?
👉 When does the new job officially start?
👉 What will your new pay be?
👉 Are there any conditions you still have to complete?
👉 When are we planning to close?

Depending on your loan type, we may also need an offer letter and additional documentation before we can use that new income to qualify.

This is one of those situations where I’d much rather you call me before making the change than tell me after everything is already in motion. 😂

Changing jobs? Moving money around? Making a big purchase?

When you’re buying a home, keep your loan officer in the loop. A quick conversation can save us both a headache later. 🙌

08/24/2026

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗔𝘂𝗴𝘂𝘀𝘁 𝟮𝟰, 𝟮𝟬𝟮𝟲

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝘀𝗹𝗶𝗴𝗵𝘁𝗹𝘆 𝘄𝗼𝗿𝘀𝗲 👎
Although mortgage rates crept slightly higher, the move was small and rates really aren't much different from where they've been the last few weeks.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝘄𝗼𝗿𝘀𝗲𝗻 👎
Rates aren't likely to make any big jumps this week, but could creep a little higher depending on oil prices and the outlook for long term bond yields. If yields rise, mortgage rates will creep higher with them. The most likely way we could see rates surprise us and move lower would be a breakthrough in the Middle East that helps drive oil prices down.

📈 𝗪𝗵𝗮𝘁’𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
• The Middle East: There's no end in sight for the impasse with Iran, which means we're unlikely to see an increase in shipping traffic through the Strait of Hormuz that would help bring oil prices down. Elevated oil prices will continue to put upward pressure on mortgage rates.
• The Treasury: Treasury Secretary Scott Bessent is looking for ways to bring down longer-term bond yields, which could help keep mortgage rates from moving much higher or even help them improve slightly. However, it would take something significant to push bond yields much lower and bring mortgage rates down.

08/19/2026

Wait… you need to do WHAT before you start looking at houses? 🏡

𝗚𝗲𝘁 𝗽𝗿𝗲-𝗮𝗽𝗽𝗿𝗼𝘃𝗲𝗱.

I know, I know. Looking at houses is the fun part.

But getting pre-approved 𝗯𝗲𝗳𝗼𝗿𝗲 you start house hunting can help you:

🏡 Know what price range makes sense for your budget
💰 Get a better idea of what your monthly payment could look like
📄 Catch any financing issues before you find a house you love
🤝 Show sellers that you’re serious and ready to buy
⚡ Be ready to make an offer when the right house comes along

Because the last thing you want is to fall in love with a home and then start figuring out the financing.

𝗣𝗿𝗲-𝗮𝗽𝗽𝗿𝗼𝘃𝗮𝗹 𝗶𝘀𝗻’𝘁 𝗷𝘂𝘀𝘁 𝗮𝗻𝗼𝘁𝗵𝗲𝗿 𝘀𝘁𝗲𝗽. 𝗜𝘁’𝘀 𝘆𝗼𝘂𝗿 𝗴𝗿𝗲𝗲𝗻 𝗹𝗶𝗴𝗵𝘁 𝘁𝗼 𝘀𝘁𝗮𝗿𝘁 𝘀𝗵𝗼𝗽𝗽𝗶𝗻𝗴. 🟢

Thinking about buying? Reach out to me 𝗯𝗲𝗳𝗼𝗿𝗲 you start scrolling through homes.

08/17/2026

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗔𝘂𝗴𝘂𝘀𝘁 𝟭𝟳, 𝟮𝟬𝟮𝟲

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝘀𝗹𝗶𝗴𝗵𝘁𝗹𝘆 𝗶𝗺𝗽𝗿𝗼𝘃𝗲𝗱 👍
Mortgage rates started the week moving higher, but fell after both consumer and wholesale inflation data for July showed prices moderating across a range of goods and services, reducing the chances that the Fed will hike its policy rate in September.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝘄𝗼𝗿𝘀𝗲𝗻 👎
There's not much economic data that could move rates this week, which will leave markets to follow headlines instead. Although it is unlikely rates will move much lower from here, the good news is that they are also unlikely to make any big jumps this week. However, they could creep slightly higher.

📈 𝗪𝗵𝗮𝘁’𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
• The Middle East: Oil prices remain elevated but continue to hold steady. If Brent crude remains below $90/barrel, that will help keep mortgage rates from moving significantly higher. However, if oil prices increase this week, expect mortgage rates to increase as well.
• The Fed: Markets recently were pricing in the likelihood of a Fed rate hike at the September meeting. Markets are now speculating that a rate hike isn't likely until the December meeting, which has taken some pressure off mortgage rates because they generally price in expected Fed action early.

Address

2901 W. Coast Highway, Suite 200
Newport Beach, CA
92663

Opening Hours

Monday	8am - 8pm
Tuesday	8am - 8pm
Wednesday	8am - 8pm
Thursday	8am - 8pm
Friday	8am - 8pm
Saturday	10am - 6pm
Sunday	10am - 6pm

Website

http://www.rfmdirect.com/

Alerts

Be the first to know and let us send you an email when Resource Financial Mortgage: Scott Way, Mortgage Broker/Owner NMLS #1282209 posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Want your business to be the top-listed Finance Company in Newport Beach?