A QM loan, or Qualified Mortgage, is a type of loan that meets specific guidelines set by the Consumer Financial Protection Bureau, ensuring that borrowers have the ability to repay their loans.

You can apply for a loan by visiting our website and clicking on the ‘Apply Now’ button. This will guide you through the application process, where you can provide your information and select the type of loan you are interested in.

Yes, we provide down payment assistance programs to help eligible borrowers cover their down payment costs, making homeownership more accessible and affordable.

Team Scout Advisors is licensed in North Carolina, South Carolina, Florida, Georgia, Virginia and New Jersey and is able to offer QM financing in these states. Our parent company, Barrett Financial is licensed to operate in 49 states, and we offer business purpose loans in all 50 states. This allows us to serve a wide range of clients across the country.

The pre-approval process usually takes 24–72 hours, depending on the documentation you provide. Scout Advisors makes it fast and efficient by reviewing your financial details and connecting with trusted lenders nationwide. Getting pre-approved early can give you a competitive edge when making an offer on your dream hom

Yes! Scout Advisors works with a variety of loan programs, including FHA and non-QM loans, which are designed for buyers with lower credit scores. While your interest rate may vary, you can still buy your dream home with proper guidance and tailored loan solutions.

Typically, you’ll need:

Proof of income (pay stubs, W-2s, or tax returns)

Bank statements and asset documentation

Identification (driver’s license or passport)

Credit history information
Providing these documents promptly ensures a smooth pre-approval process and helps you move quickly toward buying your dream home.

Yes, you can apply for pre-approval on more than one property. Scout Advisors reviews your financial situation and helps you determine a comfortable loan amount. This allows you to buy your dream home with confidence and avoid overextending your budget. Pre-approval for multiple homes can also speed up the buying process and strengthen your offers.

No, pre-approval is an estimate of what you can borrow, not a guarantee. Final loan approval depends on property appraisal, verification of documents, and current lender requirements. However, getting pre-approved puts you in a stronger position to buy your dream home by showing sellers you are a serious buyer. Scout Advisors guides you through every step to maximize your chances of approval.