Scott Modeer, NMLS #258368

Scott Modeer, NMLS #258368 My name is Scott Modeer and I have 20+ years of experience in residential lending. I have spent my entire working life in real estate one way or another.

My name is Scott Modeer and I am a Owner & Mortgage Loan Originator (MLO) and I can help. I have an extensive background in construction and also in commercial real estate. I have spent the last 19 years in residential mortgage finance. Your home buying or refinancing needs are as unique as you, probably with many long-term goals and even more day-to-day financial demands. So where do you start? A

s a MLO, I will meet with you face to face ( or if the phone is more convenient we can do that too) to discuss your home buying needs. This is your financial future and a big investment and should not be left to chance. After I understand what's important to you and why, I will work with you to ensure we get the best mortgage loan and competitive pricing that fits your financial situation. I have found my true niche in Real Estate. I love what I do and I love my clients. When not working on loans I like to travel and occasionally get involved in a small construction project.

⚠ Closing is almost here—but a few mistakes can derail it: ❌ Large new purchases ❌ Opening new credit cards ❌ Changing ...
03/25/2026

⚠ Closing is almost here—but a few mistakes can derail it:

❌ Large new purchases
❌ Opening new credit cards
❌ Changing jobs without notifying your lender

💡 Keep finances stable in the weeks before closing for a smooth finish.


💰 Lenders look at your debt-to-income ratio (DTI) to see if you can handle a mortgage. ✅ Low DTI = stronger approval ch...
03/23/2026

💰 Lenders look at your debt-to-income ratio (DTI) to see if you can handle a mortgage.

✅ Low DTI = stronger approval chances
✅ High DTI = may limit loan size or increase interest

💡 Pay down debts and plan purchases wisely before applying to improve your ratio.


📊 Your credit score is one of the biggest factors lenders consider. ✨ Higher scores = better rates and more loan option...
03/20/2026

📊 Your credit score is one of the biggest factors lenders consider.

✨ Higher scores = better rates and more loan options
⚠ Lower scores = higher interest, stricter terms

💡 Check your score early, fix errors, and manage debt to unlock the best mortgage options.


📅 Short-term vs long-term mortgages: ✅ Short-term (15 years): Higher monthly payments, less interest over time ✅ Long-t...
03/18/2026

📅 Short-term vs long-term mortgages:

✅ Short-term (15 years): Higher monthly payments, less interest over time
✅ Long-term (30 years): Lower monthly payments, more flexibility, slightly more interest

💡 Choosing the right term balances affordability and long-term financial goals.


Lucky vibes only 🍀 Here’s to fresh starts, good fortune, and chasing your goals like you found the pot of gold at the en...
03/17/2026

Lucky vibes only 🍀
Here’s to fresh starts, good fortune, and chasing your goals like you found the pot of gold at the end of the rainbow 🌈✨
Happy St. Patrick’s Day!


🏡 Smooth closings vs. stressful ones: ✨ Smooth: Complete docs, clear communication, realistic timeline ⚠ Stressful: Mis...
03/16/2026

🏡 Smooth closings vs. stressful ones:

✨ Smooth: Complete docs, clear communication, realistic timeline
⚠ Stressful: Missing paperwork, last-minute credit issues, unclear instructions

💡 Preparation and communication are the keys to a stress-free closing.


🤯 Pre-approval isn’t a guarantee. ✅ It’s a strong indicator of approval ✅ Final underwriting can still adjust terms ✅ C...
03/13/2026

🤯 Pre-approval isn’t a guarantee.

✅ It’s a strong indicator of approval
✅ Final underwriting can still adjust terms
✅ Changes in income, debt, or credit can affect final approval

💡 Pre-approval helps plan, but stay careful until the deal closes.


⚠️ Closing day surprises can derail even approved mortgages. ❌ Late document submission ❌ Sudden large purchases or deb...
03/11/2026

⚠️ Closing day surprises can derail even approved mortgages.

❌ Late document submission
❌ Sudden large purchases or debt increases
❌ Last-minute credit issues

💡 Avoid these pitfalls by staying organized, communicating with your lender, and planning ahead.


📝 Messy or incomplete documents can delay approval for weeks. ✅ Double-check all forms ✅ Include pay stubs, bank statem...
03/09/2026

📝 Messy or incomplete documents can delay approval for weeks.

✅ Double-check all forms
✅ Include pay stubs, bank statements, and IDs
✅ Submit clearly labeled files

💡 Clean, organized paperwork keeps your mortgage moving and reduces stress.


📂 Once you submit documents, here’s what happens: 1️⃣ Lender verifies income, assets, and debts 2️⃣ Credit checks and r...
03/06/2026

📂 Once you submit documents, here’s what happens:

1️⃣ Lender verifies income, assets, and debts
2️⃣ Credit checks and risk assessment
3️⃣ File moves to underwriting for approval

💡 Knowing the process helps you stay patient and organized while your mortgage moves forward.


🤔 Applying without a plan? Guessing could cost you time, money, or even approval. 💡 Meet with a mortgage specialist ear...
03/04/2026

🤔 Applying without a plan? Guessing could cost you time, money, or even approval.

💡 Meet with a mortgage specialist early to:
✨ Understand your budget
✨ Determine the right loan type
✨ Avoid last-minute surprises



💳 Thinking about a mortgage? Your spending habits months before applying can make or break approval. ✅ High credit card...
03/02/2026

💳 Thinking about a mortgage? Your spending habits months before applying can make or break approval.

✅ High credit card balances
✅ Large new purchases
✅ Maxing out credit lines

💡 Lenders review your financial behavior over time. Staying consistent and debt-conscious can improve your chances of a smooth approval.


Address

7600 N. 15th Street STE: 150/32
Phoenix, AZ
85020

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