Whether you are purchasing or refinancing, we will get you the best mortgage rates that suit your needs and always beat the "Direct Lender" or "Big Bank" rates. No credit check or SSN required for your free quote. Our daughter referred us to Scott, as we had just moved from Ohio to California and were purchasing a home and needed to get financing done quickly once we.
Where to start here. I was introduced to Scott from my financial advisor and I am so so happy for that introduction. Scott went above and beyond and got my. Hello Scott, I wish to thank you very much for the great news that the loan funded and for all your hard work and efforts to get me refinanced at a great.
Where to start here. I was introduced to Scott from my financial advisor and I am so so happy for that introduction. Scott went above and beyond and got my. Hello Scott, I wish to thank you very much for the great news that the loan funded and for all your hard work and efforts to get me refinanced at a great.
Services
For borrowers, the key benefit of working with a mortgage broker is our ability to find you the best deal on your mortgage than you could find shopping on your own. Knowing which loan to put you in, giving you options to choose from, and ultimately closing on the one perfectly fit for you is what we do.
Your mortgage rate and monthly payments never change. Yet they still offer enough variety to meet the needs of a broad range of borrowers and budgets. Lowest start rate Adjusts either every 6 months or every 12 months depending on program and grade and is based on the economy 6% ceiling for prime and 7% ceiling for sub-prime.
Pre-qualification starts the loan process. Once a lender has gathered information about a borrower's income and debts, a determination can be made as to how much the borrower can pay for a house. Since different loan programs can cause different valuations a borrower should get pre-qualified for each loan type the borrower may qualify for.
Interest rate is the contractual rate that you agree to pay for your mortgage loan. This rate is used to calculate the interest portion of your monthly mortgage payment. Annual percentage rate (APR) includes your interest rate and factors in the prepaid finance charges to give you an average yearly rate.
Reviews (13)
Larry J. M.
Jun 25, 2021
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We just used Scott to do a cash out refinance on a home we had just purchased. He was able to get us a fantastic interest rate and our loan process went very smoothly due to his expertise and knowledge in this anomaly real estate market we are in! We really appreciated that he was able to shop every different loan available to us and narrow it down to the best possible one for our particular situation. We would definitely use his Services again!
Sharie McCue
Jun 22, 2021
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Our daughter referred us to Scott, as we had just moved from Ohio to California and were purchasing a home and needed to get financing done quickly once we found the home we had been looking for. Scott we just want to thank you for getting us into our new home, with all of the hoops you had to jump through to get us here, the patience and perseverance you showed, and the amazing interest rate you were able to get us. Getting approved for a loan in the middle of a pandemic can prove to be challenging and you definitely rose to the occasion and made it happen - thank you!
to be challenging
to be challenging
Pat Garner
Oct 13, 2020
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My business partner and I worked with Scott representing our buyer. Scott did the loan for our client and he did an amazing job. For us communication is critical and Scott always kept us informed throughout the entire escrow. We closed a few days early and the client was very happy. Great job! A++++ mortgage loan officer!
Steve Richards
Sep 27, 2020
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Scott is amazing and drives this process so effectively and efficiently! He is fantastic! This was the smoothest process! Not only did he guide this through the process, he is incredibly organized, works for you, and the ZERO cost loan was terrific. As we got close to closing, Scott pushed to get us an even lower rate.
Scott is honest, true to his word, outstanding at what he does for you, and he has created an easy and seamless process. What a fantastic experience!
I highly recommend Scott! There is no other place to go to get your mortgage needs.
Scott is honest, true to his word, outstanding at what he does for you, and he has created an easy and seamless process. What a fantastic experience!
I highly recommend Scott! There is no other place to go to get your mortgage needs.
Lance White
Sep 14, 2020
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Positive: Professionalism, Quality, Responsiveness, Value
It was a pleasure working with RFM on a new mortgage. Having used banks before being referred to Scott, we will continue to use and refer him to any friends and family. We highly recommended RFM for the best rates and communication on your next home purchase!
It was a pleasure working with RFM on a new mortgage. Having used banks before being referred to Scott, we will continue to use and refer him to any friends and family. We highly recommended RFM for the best rates and communication on your next home purchase!
Kathy Kellerman
May 25, 2020
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With the interest rates fluctuating wildly, this is a perfect time to think about refinancing. And there is nobody better qualified and does a better job than Scott Way at resource financial mortgage. Scott is a man of integrity and character in a field where that is hard to find. You can count on his honesty and his willingness to work hard to find the best vehicle and rate for your situation. Scott is a wizard with numbers and details and makes the process easy. I was amazed at how fast everything moved and how smoothly he handled the process. I highly recommend Scott for anyone considering purchasing
Megan McDonell
May 23, 2020
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Scott was recommended to us by a family member (who coincidentally bought a house a few years ago on the same street as ours!). From the preapproval to getting final loan docs, Scott was on top of it. We were first-time home buyers, and he was super helpful and transparent answering all of our questions. We got a few quotes on rates/fees/etc from different brokers, and Scott consistently matched or offered better numbers + he was really easy to work with. Whenever there was a challenge in the process, he helped us resolve it. He is always happy to pick up the phone and talk through anything. In
Cathy Michelle
Apr 19, 2020
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If you're looking to refinance your mortgage loan, contact Scott at RFM. Lenders claim to do ZERO cost loans but in reality they add their costs into your new loan. Not Scott, he really is ZERO costs! Scott is honest, very responsive and provides competitive interest rates.
We just refinanced on Thursday, this is the second time we have gone with Scott. Best part - process is stress free!
We just refinanced on Thursday, this is the second time we have gone with Scott. Best part - process is stress free!
Keriann Converse
Aug 07, 2018
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We had the best experience working with Scott Way! I appreciate how he looks out for our best interest and showed us all of our options, he never implied what he thought was best, unless we asked, of course. He is professional, available for all of our questions, he educates you so you can make the best choices, and he’s always well prepared. He has gone above and beyond for us multiple times and has been so patient with us in our home buying process (we’ve been looking for 2 years!) I highly recommend Scott to everyone I know and we WILL hire him again. Thank you, Scott!
Craig Johnson
May 13, 2018
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Betty Kimes
Nov 01, 2017
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Adam Shutts
Jul 09, 2017
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My wife and I recently purchased our first home and were referred to Scott Way and Resource Financial Mortgage through our financial advisor. Scott has been an excellent resource and a pleasure to work with! He is professional, courteous, and extremely knowledgeable. As first time buyers, Scott took the time to explain the process of loan application to us and was very patient and quick to answer all of our questions. He strived to provide us with all the information we needed to make an informed decision. It was a blessing to have a friendly person we could call or email at any time that was focused
Jason Burris
Aug 24, 2016
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Scott Way is not just a mortgage broker, he helps people achieve their dreams - and he does it at no cost to the borrower. Yes, you read that right. Where other brokers will charge you several thousand dollars, with Scott you pay nothing. Scott succeeded in obtaining a cash-out refinance loan for our fixer here in Orange County for repairs and renovations. Scott succeeded where several other brokers failed, and he achieved this for us in less time than we even thought possible. We had a tight deadline because we were leaving for overseas travel. Scott made sure that the loan was approved, property
