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Hello,
I'm J.Scott DeFrees
Mortgage Loan Originator

NMLS#: 937002

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Hello, welcome to my page.

I’m a husband and a dad, so I know how much a home means to a family.

Buying one usually starts with a question. Can I afford it? Or maybe you already know you can, and you’re wondering what the next step is. Maybe you’re self-employed and your tax returns don’t show what you really make. Maybe you’re starting over after a divorce, or you’re not sure where the down payment will come from. Or maybe another lender told you no, and nobody explained why.

As a Mortgage Loan Consultant, I’ve been answering these questions for over 25 years, and I’d rather hear yours now than have you wonder. My job isn’t to sell you a loan. It’s to understand where you are, what you want, and whether it makes sense, and then tell you the truth either way.

If it makes sense, I’ll gather everything up front so there are no surprises on the way to closing. If it doesn’t yet, I’ll show you what it would take.

So what’s on your mind?

All-in-One Solution

Our Loan Process...

PREQUAL

A loan prequalification sets you up for a smooth home buying experience.

SHOP

Start working with a real estate agent and viewing homes.

LOAN APPLICATION

A few documents are needed to get a loan file through underwriting.

LOAN PROCESSING

Assemble all the necessary paperwork and details for the underwriter.

UNDERWRITING

They closely evaluate all the documentation in the loan package.

CLOSING

Documents are drawn and sent to the title company for closing.

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