RENTING SUCKS!

You want to make a home purchase but…

You’re frustrated because you don’t know where to start.
You’re confused because you keep hearing different things you should do.
You’re discouraged because of the lack of homes to buy.

Hi, I’m Scott Wynn.

I have been a mortgage loan officer for over 15 years.  I have helped thousands of people purchase their own homes and now I want to help YOU.

Buying a house is a big deal.

How do you get the best possible interest rates using the best possible loan programs that will give you the best shot to buy the home you want to buy?

I have created a step-by-step process to help you achieve that same goal.

I’m sure you know the major items a lender looks at such as…

  • Credit
  • Income
  • Debts
  • Money Available

What matters most?

Trying to figure this out on your own is like to trying to build a car from a pile of car parts.  You know you need an engine.  You know you need a steering wheel.  You know you need seats.  But how does it all fit together?  Maybe you’re a mechanic and could figure it out but that’s the point.

You need someone who understands this process and can help you put all the parts together.  Along the way you can adjust from building a car that simply gets you from Point A to Point B and instead build a car that has some power…some pizzazz…some speed!

Here are some questions I often hear that you may have also asked yourself:

  • “Should I pay off debt or save money?”
  • “Do I really need 20% down?”
  • “How much money do I need to buy a home?”
  • “Should I pay off this debt to improve my qualifications?”
  • “What do I need to do to get a seller to accept my offer?”

Where do you begin?

Maybe you’ve done searches online and found some of the answers you were looking for.

But were those answers right for you?  Were they up-to-date based on the quickly changing mortgage rules?

The problem with the the internet is that anyone can post anything.  It is unreliable.

One website may say one thing while another says the opposite.  CONFUSING!

You start working on your credit but later find out that the steps you took actually made your situation worse.  FRUSTRATING!

There are a couple myths I want to set straight right here and right now:

Myth #1: You need 20% down

Years ago…I am talking about a time before you were probably born…you needed to have at least 20% down to buy a home.  But not anymore.

With the creation of mortgage insurance…

Hey, wait a second!  Mortgage insurance?  No one wants mortgage insurance, right?

Well, the primary benefit of mortgage insurance is the ability to put less down when you buy a home.  Mortgage insurance basically reduces the risk to the lender which reduces the amount you need to put down when buying a home.  So, maybe it isn’t such a bad thing (but we will get into that later).

Minimum down payments can vary based on the loan program you are using but it is not unusual to buy a home with as little as 5%, 3% or even 0% down.

There are many different loan options and hundreds, if not thousands, of different ways to structure those loan options to customize it perfectly for you.

Myth #2: You need a “very good” credit score to qualify

What is “very good” anyway?  680?  720? 740?

Oh, and what score are you looking at?  Do you have a credit monitoring service through your credit card company.  Or maybe a Credit Karma account.  Did you pull your “free” credit report and get a score.

What if I told you none of those scores matter?!

There are multiple credit score formulas.  Even the three different credit bureaus can’t agree on a set formula to use.  Depending upon whether you are pulling your own score, applying for a credit card, buying a car or getting a mortgage all the credit scores are different.

Before we can even answer the question about whether a “very good” credit score is needed we first have to figure out which score we are even talking about.

You might be pleasantly surprised to find out that “very good” credit is not necessarily a requirement, but then again, it depends on your definition of “very good”.

The credit score required for a home purchase depends on too many factors for one blanket statement to be made.  In general, however, there are some loan programs that don’t even have a credit score requirement while others focus more on what is on your credit rather than the actual score itself.

Credit is tricky.  Small changes you make to improve your credit may actually have the opposite effect.  Reviewing your individual credit report and providing you a personalized plan on how to improve your credit is best.

INTRODUCING…


I have taken my 15 years of experience helping thousands buy their own homes and have created a video series JUST FOR YOU!

My step-by-step videos will give you the information you’re looking for in bite-size chunks that are easy to follow.

You will receive an email from me each week with access to the next video.  The videos are in an order of the process we follow when working with you directly.

Here’s just a sample of what you’ll see in these videos:

  • What sellers want from buyers in today’s hot, low inventory market so you can set yourself apart and get your offer accepted
  • The big three factors lenders look at when making a decision on approving you for a home loan
  • The Secret Formula used when calculating your credit score
  • The 8 myths about credit you need to know to avoid common mistakes when trying to improve your credit so you can buy a home
  • Breaking down the house payment so you are aware of what can change to be prepared for your house payment after closing
  • Various ways to avoid or reduce mortgage insurance to save you money instead of giving it to the lender
  • The truth on how much money you need for down payment
  • Ideas on how to save money by plugging the drain and finding easy money
  • The four major loan programs available and details so you can figure out which one is best for you
  • Different factors that play into how your interest rate is determined and when you should lock your rate
  • Step-by-step through the contract to close process
  • What you need to know after closing to protect yourself
  • Answering the question about whether you should prepay your mortgage or not
  • Understanding how a refinance works and when a refinance will help or hurt you

Is Your Way Home Right for You?

Simply put, Your Way Home is not right for everyone…

Your Way Home is NOT for you if…

  • You are looking for a magic bullet that will make all your credit issues go away, instantly increase your checking account balance and eliminate all other buyers as competition
  • You are not willing to put in some work
  • You are not willing to spend some time watching the videos to prepare you for a home purchase

Your Way Home IS for you if…

  • You’re open to advice
  • You’re willing to invest 5 minutes each week
  • You’re committed to taking action when needed
  • You’re ready to make a home purchase

Your Way Home is not free…there is a cost.  But the good news is that cost is not in terms of money but instead your word, your commitment.

You can imagine the amount of work, experience, and time putting this together has taken.  We did it for you.  We did it to help you buy a home.  But we also did it because this is how we earn a living…by helping you with your mortgage when that time comes.

All we ask is that if you participate in Your Way Home that you will allow us the opportunity to provide you with your mortgage.

I will tell right now that we are not going to be the lowest-cost lender out there.  If that is what you are looking for do not sign up for Your Way Home and find someone else to help you on this journey.

If, instead, you see the value we offer and understand that we will do everything we can to provide you with best possible interest rates using the best possible loan programs that will give you the best shot to buy the home you want to buy then we look forward to working with you.

If you’re ready, click below to get started…

Yes, I am Ready!

Close Menu