Mortgages by Scott - Invidious

Mortgages by Scott

Mortgages for self-employed borrowers, business owners, and real estate investors.

Most mortgage systems are built for W-2 employees. If your income comes from a business, commissions, 1099 work, or investments, that mismatch often leads to confusion, bad advice, or unnecessary denials.

Welcome to Mortgages by Scott. This channel is focused on helping entrepreneurs, freelancers, and real estate investors understand how mortgage underwriting actually works when income is complex — and what options exist when traditional banks fall short.

I’m Scott Hastings (NMLS #926762), a mortgage broker specializing in bank statement loans, DSCR loans for investors, jumbo mortgages, and other alternative documentation programs. I break down how lenders evaluate income, why borrowers are often told “no,” and how the right loan structure can change the outcome.

📍 Licensed in AR,FL,GA,IN,MD,MO,NV,NH,NC,SC,VA

Contact me to discuss your situation:
👉 www.mortgagesbyscott.com/contact-us/

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4:36

Why Self-Employed Buyers Get Denied (And What Actually Works Instead)

Mortgages by Scott

Shared 16 hours ago

7 views

9:10

How Much Income Do You REALLY Need to Get Approved If You’re Self-Employed?

Mortgages by Scott

Shared 1 week ago

65 views

6:27

Why High-Income Business Owners Get Denied for Mortgages (Even With Great Credit)

Mortgages by Scott

Shared 1 month ago

47 views

6:01

How Self-Employed First-Time Buyers Can Qualify Without Tax Returns (Bank Statement Loan Guide 2025)

Mortgages by Scott

Shared 1 month ago

76 views

7:38

How I Got a Mortgage Without Showing Income or Tax Returns | DSCR Loan 2025 | MortgagesByScott.com

Mortgages by Scott

Shared 2 months ago

60 views

11:40

Don’t Let the Illusion of Low Self-Employed Income Stop You from Getting Pre-Approved for a Mortgage

Mortgages by Scott

Shared 2 months ago

30 views

9:35

3 Mortgages Banks Won’t Tell Self-Employed Borrowers (2025) | MortgagesByScott.com

Mortgages by Scott

Shared 3 months ago

488 views

15:46

Self-Employed JUMBO Mortgage 2025: Best Approval Path | MortgagesByScott.com

Mortgages by Scott

Shared 3 months ago

52 views

8:43

Mortgage With Only 1 Year Self-Employed (2025 Guide) | MortgagesByScott.com

Mortgages by Scott

Shared 4 months ago

131 views

3:04

How to Get a Mortgage After a Late Payment (Even Recently!) | MortgagesByScott.com

Mortgages by Scott

Shared 5 months ago

182 views

5:10

The Best Mortgage Option for 1099 Workers in 2025 | MortgagesByScott.com

Mortgages by Scott

Shared 6 months ago

99 views

0:53

Self-Employed? Here's How You REALLY Get a Mortgage | MortgagesByScott.com

Mortgages by Scott

Shared 6 months ago

101 views

6:00

Skip the Contingency: How to Buy a Home Without Selling First | MortgagesByScott.com

Mortgages by Scott

Shared 6 months ago

162 views

4:50

How to Buy a Home With NO Tax Returns | Bank Statement Mortgage Explained | MortgagesByScott.com

Mortgages by Scott

Shared 7 months ago

447 views

6:43

2025 Mortgage Trick: Use a HELOC to Buy Your Next Home Before Selling Your Current Home

Mortgages by Scott

Shared 7 months ago

836 views

8:17

No Income Verification Mortgage Option (updated for 2025) | MortgagesByScott.com

Mortgages by Scott

Shared 8 months ago

238 views

11:11

The Secret to Financing Airbnbs Without a Traditional Mortgage | MortgagesByScott.com

Mortgages by Scott

Shared 8 months ago

115 views

11:44

A Mortgage Product That Doesn’t Require W-2’s Or Tax Returns | MortgagesByScott.com

Mortgages by Scott

Shared 9 months ago

98 views

6:50

Don’t File Your Taxes Before Watching This Mortgage Advice! | MortgagesByScott.com

Mortgages by Scott

Shared 9 months ago

34 views

11:21

The #1 Reason Self-Employed People Get Rejected for Mortgages | MortgagesByScott.com

Mortgages by Scott

Shared 9 months ago

75 views

8:06

Homebuyers BEWARE: The Hidden Costs of Rocket Mortgage & Redfin | MortgagesByScott.com

Mortgages by Scott

Shared 9 months ago

193 views

9:49

Important Cash Out Refinance Rules For Investment Property Owners

Mortgages by Scott

Shared 10 months ago

2.4K views

8:29

Jumbo Mortgage Guide 2025: Everything You NEED to Know!

Mortgages by Scott

Shared 11 months ago

1K views

12:05

How Self Employed People Can Buy Their Dream House in 2025!

Mortgages by Scott

Shared 11 months ago

1.3K views

7:55

Don't Let Tax Returns Kill Your Mortgage Chances? 🏡💰

Mortgages by Scott

Shared 11 months ago

59 views

3:47

How Self-Employed People Can Get a Mortgage FAST! 🏠 (4 REAL Methods)

Mortgages by Scott

Shared 1 year ago

76 views

13:25

COMPLETE Guide to Self-Employed Mortgage Requirements in 2025!

Mortgages by Scott

Shared 1 year ago

1.8K views

12:11

How to Get a Self-Employed Mortgage WITHOUT Tax Returns (Step-by-Step Guide!)

Mortgages by Scott

Shared 1 year ago

2K views

10:18

Charlotte First-Time Home Buyers Guide: Mortgage Tips for High Earners

Mortgages by Scott

Shared 1 year ago

181 views

7:49

If You’re Self-Employed and Want a Mortgage? WATCH THIS! 💼🏡

Mortgages by Scott

Shared 1 year ago

141 views

15:01

Build Your Real Estate Empire: The Ultimate Guide for Research-Driven First-Time Homebuyers

Mortgages by Scott

Shared 1 year ago

151 views

9:30

Your Complete Guide to Pre-Approval for Homebuyers in 2024

Mortgages by Scott

Shared 1 year ago

111 views

10:44

Can You Buy a House with Low Credit? FHA Loan Explained in 2024 (Easy Approval!)

Mortgages by Scott

Shared 1 year ago

4.2K views

1:46

CASH OUT of Your Rental Property in Under 2 Minutes (DSCR Loan Hack!)

Mortgages by Scott

Shared 1 year ago

123 views

7:13

No Income Verification Mortgages

Mortgages by Scott

Shared 2 years ago

2.1K views

4:50

Cash Out Refinance with BAD CREDIT? 500 credit score OK!

Mortgages by Scott

Shared 2 years ago

2.7K views

9:31

How to Buy a House with Zero Down Payment | USDA Home Loans 2023

Mortgages by Scott

Shared 2 years ago

138 views

7:38

Which Is Right for You: Cash Out Refinance vs. Debt Consolidation Loan

Mortgages by Scott

Shared 2 years ago

523 views

6:53

$0 Down Payment FHA Mortgage - NEW 2023

Mortgages by Scott

Shared 2 years ago

53 views

4:47

Family Opportunity Mortgage: Unlocking Affordable Homeownership for Mom & Dad

Mortgages by Scott

Shared 2 years ago

319 views

5:00

How to Lower Your Mortgage Rate [The Power of FHA Arms!]

Mortgages by Scott

Shared 2 years ago

56 views

4:46

Unlocking Jumbo Loans: Your Guide to Low Down Payment Jumbo Mortgages 🏠💰| MortgagesByScott.com

Mortgages by Scott

Shared 2 years ago

93 views

5:45

The Secret to Financial Security: 30 Year Fixed Rate Mortgages

Mortgages by Scott

Shared 2 years ago

88 views

11:23

Navigating Mortgages and House Hunting: 5 Tips for First-Time Homebuyers in Charlotte

Mortgages by Scott

Shared 2 years ago

54 views

5:37

The Unlikely Crash of the 2023-2024 Housing Market | MortgagesByScott.com

Mortgages by Scott

Shared 2 years ago

38 views

10:15

Jumbo Mortgages 2023: Top 5 Facts & New Loan Limits Explained | MortgagesByScott.com

Mortgages by Scott

Shared 2 years ago

710 views

5:50

DON'T SELL YOUR HOME - House Hack for Retirement | MortgagesByScott.com

Mortgages by Scott

Shared 2 years ago

153 views

9:25

Cash Out Refinance Mortgage 2023? | MortgagesByScott.com

Mortgages by Scott

Shared 2 years ago

884 views

15:06

Debt to Income Ratio for a Mortgage Explained & How to Lower It | MortgagesByScott.com

Mortgages by Scott

Shared 2 years ago

88 views

7:53

Self-Employed? Know Your Income with Our Mortgage Calculator | MortgagesByScott.com

Mortgages by Scott

Shared 2 years ago

35 views

5:23

How to Get Approved for a Mortgage with a 3% Down Payment | Mortgages by Scott

Mortgages by Scott

Shared 2 years ago

61 views

8:46

Secrets to Buying a House After Bankruptcy: Expert Tips and Strategies! | MortgagesByScott.com

Mortgages by Scott

Shared 2 years ago

5.5K views

2:26

Revealing the TRUTH About Mortgage Rate Changes May 1st | MortgagesByScott.com

Mortgages by Scott

Shared 2 years ago

57 views

17:19

Tips & Tricks for Navigating Conventional Loan Requirements in 2023 | MortgagesByScott.com

Mortgages by Scott

Shared 2 years ago

111 views

5:53

Mortgage Points Explained: Are They Worth It In 2023? | MortgagesByScott.com

Mortgages by Scott

Shared 2 years ago

125 views

15:05

First Call To A Loan Officer: Essential Tips For Homebuyers | MortgagesByScott.com

Mortgages by Scott

Shared 2 years ago

506 views

6:01

The Ultimate Guide - No Money Down Home Buying | MortgagesByScott.com

Mortgages by Scott

Shared 2 years ago

99 views

2:56

How To Qualify For A Mortgage Without 2-Year Work History? | MortgagesByScott.com

Mortgages by Scott

Shared 2 years ago

883 views

10:10

Down Payment & Loan Options: How Much Money Do You Need To Buy House In 2023? | MortgagesByScott.com

Mortgages by Scott

Shared 2 years ago

72 views

16:26

2023 Home Buying Simplified: Essential Tips & Steps | MortgagesByScott.com

Mortgages by Scott

Shared 3 years ago

250 views