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525 3rd Street , Suite 322 Lake Oswego, OR 97034 Mobile (503) 806-0700 Tel (503) 782-4503 [email protected]
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- monday: 8:00AM – 5:00PM
- tuesday: 8:00AM – 5:00PM
- wednesday: 8:00AM – 5:00PM
- thursday: 8:00AM – 5:00PM
- friday: 8:00AM – 5:00PM
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- Purchase
- Refinance
Scott McCarty
- Branch Manager
- Lake Oswego, OR Mortgage Loan Officer
- NMLS #133765
I’ll be with you every step of the way
Hi, I’m Scott McCarty. I’ve been helping home buyers with their mortgage needs since 1999, after graduating from the University of Oregon and serving in the US Navy. As a dedicated member of our Lake Oswego, OR team at America’s #1 Retail Mortgage Lender, my passion for the past 24 years has been to help people achieve their dream of homeownership.
With the support of a great team, I’ll make sure you have a smooth loan process. We’ll use our online application portal to streamline the paperwork, reducing the burden and ensuring on-time closing. My team and I are committed to answering all your questions and keeping you informed every step of the way. Communication is key, and we want you to feel confident and well-informed throughout the process.
I’ve lived in West Linn for nearly 20 years with my wife and three amazing kids. I’m proud to be a US Navy Veteran, and I look forward to serving you on your home financing journey.
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How much will my mortgage payment be?
This calculator is being provided for educational purposes only. The results are estimates based on information you provided and may not reflect CrossCountry Mortgage, LLC product terms. The information cannot be used by CrossCountry Mortgage, LLC to determine a customer’s eligibility for a specific product or service.
Inspiration for your home loan journey
Frequently asked questions
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Refinancing costs typically range from 2% to 6% of the loan amount and include fees such as appraisal, title insurance, and closing costs. Factors like your loan type, location, and credit score can significantly impact these expenses. Our team can help to provide strategies that can help minimize costs.
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To determine how much home you can afford, you’ll want to assess your financial situation. This includes your income, expenses, and debt-to-income ratio, to ensure your mortgage fits comfortably within your budget. A general guideline is to spend no more than 28% of your gross monthly income on housing costs and 36% on total debt.
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A good credit score typically starts at 620 for conventional loans, while FHA and VA loans may accept scores as low as 500, though higher scores offer better terms. A strong credit score can help you secure lower interest rates, saving you significant money over the life of a home loan.
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A Home Equity Line of Credit (HELOC) is a revolving line of credit that allows homeowners to borrow against the equity in their home. HELOCs function like a credit card, giving access to funds up to a set limit, which can be used for expenses like renovations or debt consolidation. You only pay interest on the amount you borrow, and the repayment terms typically include a draw period followed by a repayment period.
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To calculate your mortgage payments, start with your loan amount, interest rate, and loan term. Your payment will depend on the interest charged over time and the repayment schedule. You can use a monthly mortgage payment calculator or connect with us to learn more.