Scottlends2u/Scott Mcnamee/Mortgage Lending

Scottlends2u/Scott Mcnamee/Mortgage Lending I take pride in guiding my clients through the process of home financing .Nmls 13672 Equal Housing Lender.

Making you the most informed borrower by providing education, suggestion and advice.
609-206-0136 [email protected]
nmls 13672,

Crown Home Mortgage
10012 North Dale Mabry Hwy. Suite 223
Tampa, FL 33618
________________________________________
Absolute Home Mortgage Corporation, dba Crown Home Mortgage. 330 Passaic Avenue, Suite 204, Fairfield NJ 07004. NMLS ID # 176743 (www.nmlsconsumeraccess.org ); Please visit https://ahmcloans.com/state-licensing/ for full state licensing information.

Did you know you can buy an investment property without using your income to qualify?No tax returns.No W2s.No pay stubs....
09/29/2026

Did you know you can buy an investment property without using your income to qualify?

No tax returns.
No W2s.
No pay stubs.
No personal income calculation.

With a DSCR loan, the property qualifies based primarily on the rental income and the property’s expenses.

It doesn’t matter if you’re W2, self employed, retired, or have multiple sources of income. Your income isn’t what qualifies you for the loan.

You can even close in an LLC.

The "right" home price is one that allows you to enjoy homeownership without stretching your finances too thin. Before y...
09/29/2026

The "right" home price is one that allows you to enjoy homeownership without stretching your finances too thin. Before you start shopping, take a realistic look at what monthly payment feels comfortable for you. Remember, buying a home is a long-term commitment, so it’s important to leave room for the other things that matter to you financially. A little breathing room in your budget can go a long way toward giving you greater financial flexibility as a homeowner.

Life doesn’t always wait for the mortgage process to be finished. But if something changes financially while you’re buyi...
09/25/2026

Life doesn’t always wait for the mortgage process to be finished. But if something changes financially while you’re buying a home, it’s important to address it early. Changes in employment, income, credit, or debt can affect your loan qualification even if you’ve already been approved. When in doubt, ask before making a move. If you have questions about your personal situation or how a change could impact your loan, feel free to reach out. I’m always happy to help.

RE Agents, are you prepared for the new appraisal guidelines?Effective November we will see the changes take place, here...
09/22/2026

RE Agents, are you prepared for the new appraisal guidelines?
Effective November we will see the changes take place, here is a cheat sheet to help you and the Appraiser.

Financially stressed?Had a conversation with a client last week that I think a lot of people need to hear right now.Bill...
09/21/2026

Financially stressed?

Had a conversation with a client last week that I think a lot of people need to hear right now.
Bills piling up. Feeling like you're falling behind. Already stressed about how the holidays are going to fit into the budget. That was exactly where he was.
He was hesitant to even call me. He had one of those great, ultra-low rates from a few years back and didn't want to touch it. But between credit cards and personal loans running 20 to 30% interest, the math told a different story.
We restructured things, consolidated the high-interest debt, and here's what it did for him: over $1,200 a month back in his pocket, an extra $20,000 in hand.

Everyone's situation is different, and this isn't the right move for everyone.
But if bills are piling up and the holidays have you worried about money, it costs nothing to find out what your numbers actually look like.
Sometimes the math surprises you.

RE Agents, be prepared for the new appraisal guidelines:Appraiser Property Details ChecklistPrepared for UAD 3.6 & Redes...
09/21/2026

RE Agents, be prepared for the new appraisal guidelines:

Appraiser Property Details Checklist
Prepared for UAD 3.6 & Redesigned URAR Compliance

Provide this comprehensive data pack directly to the appraiser at the property inspection to ensure all structured
dropdown fields are logged accurately.
1. Recent Improvements & Renovations (Last 5 Years)
[ ] Completion Dates: Exact month and year for all updates, additions, or major repairs.
[ ] Permit Records: Copies of finalized/closed permits for structural shifts, additions, or major systems.
[ ] Cost & Receipts: Total investment amounts and primary invoices for high-impact items (roof, HVAC, kitchen).
[ ] Materials Used: Clear identifiers for quality materials (e.g., quartz, solid hardwood, custom cabinetry, smart
appliances).
2. Square Footage & Layout (ANSI-Z765 Breakdown)
[ ] Floor Plans: Detailed architectural drawings or sketch plans with interior/exterior dimensions if available.
[ ] Four-Area Split: Calculated separate totals for Finished Above Grade, Unfinished Above Grade, Finished Below
Grade, and Unfinished Below Grade.
[ ] ADU Details: Dedicated square footage, heating/cooling sources, and separate utility meters/connections for
Accessory Dwelling Units.
3. Green, Energy-Efficient, & Smart Features
[ ] Solar Panel Documentation: Explicit ownership status (owned vs. leased) along with history of monthly utility
savings.
[ ] Certifications: Official score sheets for HERS index ratings, LEED certifications, or Energy Star certifications.
[ ] Mechanical Systems: Precise ages and high-efficiency ratings for HVAC, tankless water heaters, and home
automation hubs.
4. Neighborhood, Legal, & HOA Nuances
[ ] HOA/Condo Disclosures: Monthly/annual dues breakdown, current capital reserves summary, and property
manager contact data.
[ ] Zoning Verifications: Written confirmation of legal status, specifically regarding permitted home businesses or
accessory structures.
[ ] Easements & Boundaries: Explicit documents covering shared driveways, historical preservation constraints, or
encroachment agreements.
5. Transaction Context & Competitive Comparables
[ ] Market Activity Data: Statistics regarding number of offers received, total days on market, and competitive
bidding conditions.
[ ] Agent Brackets: Your curation of the top 3–4 target comparable sales with brief notes on similarities in condition,
finishes, or location

Unlock the equity in your home, funds in as little as 7 days.
09/21/2026

Unlock the equity in your home, funds in as little as 7 days.

There’s more to the cost of homeownership than the price of the home. Property taxes, insurance, HOA fees, maintenance a...
09/21/2026

There’s more to the cost of homeownership than the price of the home. Property taxes, insurance, HOA fees, maintenance and utilities can all impact your monthly budget. Before you start shopping, consider the full cost of owning a home so you can set a realistic budget, avoid surprises, and find a home that fits comfortably within your finances. Curious what buying could look like for you? Reach out anytime. I’m here to help

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Riverview, FL
33904

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