Scott The Home Loan Guy - NMLS #352721

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San Diego, CA
Scott The Home Loan Guy - NMLS #352721

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NMLS # 352721
DRE # 01877456
NMLS Consumer Access page (nmlsconsumeraccess.org)

10/13/2026

To make it short: When you work with a mortgage broker, you get a trusted financial advisor who can guide you every step of the way. Reach out today to take that first step.

10/12/2026

It's time to get rid of these bad habits. Reach out to see how I can help you find the right mortgage option!

10/11/2026

The fiiiiffffffffffth lol

10/10/2026

Some people buy a home and THEN realize the payment is way more than they’re comfortable with.

That’s exactly what we want to avoid.

Before you buy, we look at the numbers and ask:

What will your FULL monthly payment look like?
How much money will you have left each month?
What other debts and expenses do you have?
Can you still save and enjoy your life?

Just because you qualify for a certain amount doesn’t mean you have to spend it.

The goal is to buy a home you can comfortably afford — so your mortgage doesn’t feel like someone is taking all your money every month.

Everyone’s numbers are different, and rates, programs, taxes, insurance, and other costs can change.

That’s why we run YOUR numbers first.

Thinking about buying? Let’s figure out what a comfortable payment could look like for you.

10/09/2026

It’s important to note that these are example numbers, and everybody will have their own unique situation. Loan options, rates, costs, and requirements can vary.

Save this post for later!

If you’re thinking about buying your first home, you may have heard:

“You need to put 20% down.”

But that isn’t always the case.
Depending on your situation and the loan programs available to you, you may be able to buy with less than 20% down.

And putting MORE money down doesn’t always lower your monthly payment as much as you might expect.

For example, an extra $10,000 down could change your payment differently depending on your interest rate, loan type, taxes, insurance, mortgage insurance, and other costs.

That’s why I don’t want you choosing a down payment based on a random number you saw online.

Sometimes putting more down makes sense.
Sometimes keeping more money in savings makes sense.
It depends on YOU. Want to compare a few down payment options and see what the numbers could look like? Send me a message!

10/08/2026

The boxes can wait. Do these things first. 🏡

Closing day may feel like the end, but it’s really your first day as a homeowner. Before you start unpacking, take a little time to make your new home safer and easier to manage.

Here’s your first-day checklist:

📸 Take photos and videos. Record every empty room before moving anything inside. Save the files somewhere safe.
🔑 Change the outside locks. You don’t know who may still have an old key.
📱 Reset your home technology. Change the codes and passwords for the garage, smart locks, thermostat, cameras, and Wi-Fi.
💧 Find the main water shutoff. Make sure you know how to stop the water before there’s a leak.
⚡ Find and label the breaker box. It’s much easier to test everything while the house is quiet.
🔥 Locate the gas shutoff and water heater. Learn where they are and how they work before you need them.
🧽 Deep-clean the empty rooms. Clean the cabinets, corners, vents, and spaces behind the appliances before your furniture arrives.
💡 Check your services. Make sure the power, water, gas, internet, and trash service are set up in your name.

A little work now can save you a lot of stress later.

💾 Save this checklist for closing day!
👉 Send it to someone getting ready to move

10/07/2026

I hear this ALL the time:

“I’m waiting for interest rates to drop.”
And maybe waiting IS the right move for you.

But before you decide, let’s figure out what buying would actually look like with YOUR numbers.
Because the interest rate is only ONE part of your monthly payment.nnWe also have to look at things like:

Home price
Down payment
Loan program
Taxes and insurance
Possible seller credits
How long you plan to own the home

You might run the numbers and realize buying now could work for you.

Or you might realize waiting makes more sense.
Both are okay.

The important part is making that decision based on YOUR finances — not just something you heard online or saw in a headline.nnAnd remember, these aren’t one-size-fits-all numbers. Rates, programs, guidelines, and costs can change, and everyone’s situation is different.

That’s why we talk through your situation and figure out what makes sense for YOU.

Comment PAYMENT if you want to see what buying could look like with your numbers.

10/06/2026

Do you want this to be you?

Checking your inbox 500 times because you have NO idea what’s happening with your loan?

Buying a home can already feel stressful.

You shouldn’t have to wonder:

“Did we get approved?”
“Is everything okay?”
“What happens next?”
“Should I be doing something?”
That’s why communication matters.

I want you to know where we are, what we’re waiting on, and what comes next.

You might still refresh your inbox a few times.
But you shouldn’t feel like you’re completely in the dark.
Work with someone who keeps you in the loop.

Thinking about buying? Let’s talk.

10/05/2026

Upload it again 🙃

10/04/2026

Have equity in your home, but don’t want to give up the low rate on your first mortgage?

A home equity line of credit (HELOC) or a fixed-rate home equity loan may give you access to funds for home improvements or consolidating higher-interest debt while keeping your existing mortgage in place.

The right option depends on your goals, credit, available equity, and budget. Let’s compare the numbers and see what makes sense for you.

Message me “EQUITY” to get started, or visit www.ScottTheHomeLoanGuy.com. I’m happy to help you explore your options with no pressure or obligation.

Address

San Diego, CA

Telephone

+18583756264

Website

http://www.ScottTheHomeLoanGuy.com/

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