Guiding You Home, One Step at a Time.
Buying a home is a big step, but you don’t have to do it alone. Let us help you cut through the complexity with transparent advice, personalized options, and support you can count on.
The Corey Scott Team
Sr. Mortgage Loan Advisors - NMLS # 369334
When Should You Start?
Take our 3-minute quiz to see if you are ready to buy a house or refinance your home.
Quick & Easy, No Credit Impact.
Find Out Where You're At
Where do you think your credit score is?
What's your income like?
How much do you have for a down payment?
What is your current rate?
Enter your information below to get your results...
Home Buying Made Simple
We've broken it down into clear, easy-to-follow steps, so you’ll know exactly what to expect from start to finish.
GetPre-Approved
Go House
Shopping
Get Your
Offer Accepted
Finalize
Loan
It's Moving
Day
Home Buying Made Simple
We've broken it down into clear, easy-to-follow steps, so you’ll know exactly what to expect from start to finish.
GetPre-Approved
Go House
Shopping
Get Your
Offer Accepted
Finalize
Loan
It's Moving
Day
What Our Clients Say
"Corey and his team worked through a number of never-before-seen items with our unique refinance/property and in the end we were so grateful for the entire teams’s efforts."
-Jeffrey P
Wells, ME
June 14th, 2020 | 5 Stars
"Excellent communication from the whole team, readily available to answer questions. Made sure we understood what was needed at each step of the process and routinely checked in to make sure all our questions were answered."
-Cjkin190
Damariscotta, ME
October 25th, 2021 | 5 Stars
"The process was very smooth and easy. Great communication throughout the process and the team was very helpful every step of the way. I would highly recommend using Corey's team for all of your mortgage needs."
-HarrisonSmithME
Biddeford, ME
September 14th, 2021 | 5 Stars
Corey Scott, Branch Manager
Corey grew up in midcoast Maine and went on to earn his Bachelor’s degree from the University of Maine in Business Administration. He first dove into real estate as an agent but quickly learned numbers were more his thing and has been growing his business as a mortgage lender for the past 12 years. In his career, Corey has helped families across Maine, New Hampshire, Massachusetts, Florida, Connecticut, North Carolina, South Carolina, and Rhode Island with over 2100 loans and a total volume now over 525 million. As a mortgage lender, Corey takes pride in making sure clients receive the “Corey Scott Team” service – feeling like each client is his only client and an important part of his business.
Corey, his wife and two young daughters live in Florida and Maine. He is very passionate about real estate investing and using it as a tool to build wealth. Helping clients learn about the potential of the market is one of his favorite parts of his role!
Memberships
Home - BNI Growth Partners | Brunswick Maine
Androscoggin Board of Realtors
Portland Board of Realtors
Our Loan Programs
Conventional loans
FHA loans
VA loans
USDA loans
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Learn, grow and achieve your goals with us.
FAQ
We've got the answers you need.
Didn't find your answer? Reach out to us, we're happy to help.
How do I qualify for a loan?
How do I qualify for a loan?
Qualifying for a loan depends on several factors including your credit score, income, employment history, and debt-to-income ratio. We evaluate these factors to determine your eligibility and the best loan options for you.
How can I improve my chances of getting approved for a loan?
How can I improve my chances of getting approved for a loan?
Answer: Improving your credit score, reducing existing debts, and ensuring a stable income can enhance your loan approval chances. We can provide personalized advice based on your financial situation. The best way to set yourself up for success is to get pre-approved early so we can look at your situation and give you a plan custom fit to your needs.
Do I need 20% down to buy a home?
Do I need 20% down to buy a home?
Answer: No, you do not need 20% down to buy a home. There are loan programs available that allow for lower down payments, even as little as 3% down for qualified buyers. When you put less than 20% down you will have what is called PMI (private mortgage insurance). PMI is an amazing tool for homebuyers and is not something to be afraid of. We can help you explore these options based on your financial situation.
Can I get a loan if I have low credit?
Can I get a loan if I have low credit?
Answer: Yes, it's possible to get a loan with low credit, though the options and interest rates may vary compared to those with higher credit scores. We offer a range of products that cater to different credit profiles and can provide guidance on how to improve your credit to qualify for better terms.
What is PMI, and is it bad?
What is PMI, and is it bad?
Answer: PMI, or Private Mortgage Insurance, is a type of insurance that lenders require from borrowers who put down less than 20% on a home purchase. It protects the lender in case of default. PMI is not a bad thing; in fact, it is a very powerful homebuying tool. With decent credit PMI could be very cheap and allows buyers who cannot afford a 20% down payment to still purchase a home.