Clear mortgage strategy for buyers who want to win.
I'm Scottie Campbell, a Georgetown Mortgage Advisor with 23+ years in lending. First home, move-up, VA, self-employed or investor, I'll show you the strategy that fits, with a Greenlight Approval that helps your offer compete with cash.
Choose your path
Not sure where to start? Pick the situation that fits best.
Low down payment options, dozens of down payment assistance programs and a Greenlight Approval that helps your offer compete. It's never a no. It's always a how.
Flexible credit, low down payment, and dozens of assistance programs. I'll show you how FHA fits your plan, then you decide.
No monthly mortgage insurance, no minimum credit score on my end, and VA loans funded in house by Waymaker Mortgage Company with underwriting through multiple investors.
Take the quick quiz. No application, no credit pull. We point you to the best next step.
How I work
Most people shop a mortgage by rate alone, and quite frankly, that's how a lot of buyers end up with a loan that costs them more over time. I start with a Total Cost Analysis: what the loan really costs over the years you'll own the home, so you can compare options side by side and make a confident decision.
Waymaker closes and funds Conventional, VA, USDA, bank statement and DSCR loans in our own name, with underwriting through multiple investor partners. What that means for you is your file is never stuck with one underwriting desk. If one investor's guidelines don't fit, I take it to one that does. It's never a no. It's always a how.
We talk through your goals, your budget and your timeline. No pressure, no cost. Feel free to text me if that's easier.
I pre-underwrite as much of your file as possible up front and map your options with a Total Cost Analysis, so you know exactly what you qualify for and your offer gets taken seriously.
My team keeps you and your agent updated the whole way. No disappearing act, no surprises at the closing table.
Meet your Mortgage Advisor
You'll work directly with Scottie
High-tech, high-touch. You get a Mortgage Advisor who answers the phone and an owner who knows every client by name.
What I offer
I work with a wide range of loan programs so I can match the right product to your situation.
Low down payment options, dozens of down payment assistance programs and a Greenlight Approval that helps your offer compete. It's never a no. It's always a how.
Flexible credit, low down payment, and dozens of assistance programs. I'll show you how FHA fits your plan, then you decide.
No monthly mortgage insurance, no minimum credit score on my end, and VA loans funded in house by Waymaker Mortgage Company with underwriting through multiple investors.
No set credit score minimum with a Fannie Mae DU approval. Funded in house by Waymaker Mortgage Company, with a plan built around what the home really costs you over time.
No down payment for eligible homes and households. I'll check the address and your income up front, so you shop with confidence.
Buying a higher-priced home? I shop your file across multiple investor partners and build a jumbo strategy around the total cost, not one number.
National, Texas, Florida and Ohio programs most banks don't offer, matched to your loan and your budget by a Mortgage Advisor who owns the company.
Low or no down payment, realistic treatment of student loans, and the option to close on your signed contract. Built around a medical career.
Bank-statement, 1099 and other self-employed loans funded in house by Waymaker Mortgage Company, with a Mortgage Advisor who takes your file to the investor that fits.
Qualify on the property's rent, not your tax returns. I invest in real estate myself, and Waymaker Mortgage Company funds standard DSCR loans in house.
Your condo failed conventional rules? That's not the end of the deal. I'll match the building and your file with an investor whose guidelines fit both.
Change your payment, tap your equity, or drop mortgage insurance. I run your Total Cost Analysis first, so you decide with the full picture.
Put the equity you've built to work for a renovation, a debt payoff or your next investment, and leave your first mortgage exactly where it is.
A reduced payment for your first two years, often funded by the seller or builder, with straight answers on whether it fits your plans.
Conventional, FHA, VA and USDA construction financing, with one Mortgage Advisor guiding you from empty lot to front door keys.
Finance the build and the long-term mortgage together, with VA options from 580 credit and FHA or conventional from 620.
Build a new primary home with an FHA one-time close, a small down payment and gift funds allowed. Credit from 620.
Use your VA benefit to build a new home with no down payment and no monthly mortgage insurance. Funded in house by Waymaker Mortgage Company, credit from 580.
One closing, up to 100% financing for land, construction and closing costs, and up to 12 months of payments escrowed during the build.
FHA 203(k) and Fannie Mae HomeStyle let you finance the house and the work together. I'll help you pick the one that fits your home, your credit and your plans.
Buy a home that needs work and roll the repairs into one FHA loan, with credit scores starting at 500.
Refinance your current loan and fund the repairs your home needs in one FHA mortgage, with credit scores starting at 500.
Buy a home and finance the remodel, upgrades included, with one conventional loan. Works for primary homes, second homes and investment properties.
Refinance your mortgage and fund your remodel in one conventional loan, based on what your home will be worth when the work is done.
No income or employment on the application. Your credit, your down payment and your reserves tell the story. I'll show you how it works and whether it fits.
Refinance your home or rental without income or employment on the application. Your equity and credit do the talking, and I'll help you decide if it's the right move.
Your savings, investments and retirement accounts can stand in for a paycheck. I'll show you how your assets turn into qualifying power.
No U.S. credit score required. If you live outside the United States and want to own property here, I'll walk you through how financing works, step by step.
No Social Security number? If you work, pay taxes and file with an ITIN, you may be able to buy a home. I'll show you how it works and what you'll need.
A HECM can turn home equity into cash flow for homeowners 62 and older. I walk you and your family through how it really works, at your pace.
A first-lien HELOC that replaces a traditional mortgage, so your income lands on principal the day it arrives. Built for steady earners with real monthly surplus.
HELOC, home equity loan or renovation refinance: I'll help you match the right tool to your project, your credit and the first mortgage you already have.
Use the equity in your current home to buy first, move once, and pair it with a Greenlight Approval for a non-contingent offer sellers take seriously.
A conventional loan built for working families, with flexible income rules, removable mortgage insurance and the option to pair it with down payment assistance.
Buying a building for your business or adding income property to your portfolio? I help you find the right financing and build a plan around how the property actually performs.
Buy the building your business runs from, or fund your next stage of growth. I help you find the right SBA financing and get your file ready to stand out.
Working capital, equipment or a growth project: I help you find the right financing for how your business actually makes money.
Home equity loan, HELOC or unsecured pool loan? I'll show you how each one works so you can match the financing to your project and your budget.
From a fishing boat to a family cruiser, I'll explain how boat financing works, what the credit tiers mean and what the boat will really cost to own.
Motorhome, travel trailer or fifth wheel, I'll explain the credit picture, the term choices and the true cost of ownership before you sign.
Buying a plane is a big decision. I'll help you understand the credit bar, what lenders review and the full cost of owning an aircraft.
Where I lend
Based in Georgetown. Licensed in Texas, Florida, Pennsylvania & Ohio.
Waymaker's office is at 117 W 7th St in Georgetown, TX, and I meet clients face to face or virtually, beyond banker's hours. But you don't have to be down the road to work with me: I can originate your mortgage anywhere in all 4 states, and the whole process runs by phone, email, and secure online tools.
A mortgage is licensed by the state the property is in — not by how close you are to my office. Wherever you're buying in TX, FL, PA & OH, I can help.
See everywhere I serveTools and resources
Run the numbers yourself, or use these tools to get a head start before we talk.
Estimate your monthly mortgage payment with taxes and insurance.
See how much house you can afford based on your income and debts.
Calculate your savings and break-even timeline.
Compare the long-term costs of renting versus owning.