Buying a home? Need a lower rate or monthly payment right NOW!

Get a FREE quote on a home refinance that could save you thousands of dollars per year.

Scott Davis Let me help you through the process

Phone: (651) 204-8592

Cell: (651) 335-1694

Email: sdavis@polarishomeloansllc.com

NMLS: 2268366  View Licensed States 

Hi, I'm Scott Davis, a licensed loan officer with Polaris Home Loans, LLC.

This is my personal Loan Officer Landing Page, where you can find out a little more about me and how I can potentially help you with your home loan needs.

The mortgage industry is a complex ever-changing environment. After several mortgage transactions of my own, I decided to challenge myself to share the joy of homeownership with others. I enjoy working with people to meet their mortgage goals and having fun along the way. If someone chooses to work with me as their LO, they should expect to have fun throughout the process. Mortgage transactions can be stressful, this can be overcome by a licensed knowledgeable professional who keeps your goals in mind. As a Polaris mortgage loan specialist, I’ll guide you every step of the way and we'll have fun doing it! I hope to establish a lasting relationship built on trust and respect with all my clients. Let's connect today and begin discussing how I can help!

A little about me to help you get a sense of who I am.  I was born and raised in Atlanta, GA. I served in the US Air Force at Malmstrom AFB in Great Falls, MT. This is where I met my wife in April of 2000. I studied Criminal Justice at Montana State University and currently reside in St. Paul Minnesota. I've enjoyed the past 17 years serving my community as a correctional officer.

When I am not helping people optimize their mortgage programs, I like to spend time shooting trap, Skiing, or traveling for great photography!

I am excited to start helping new clients identify their needs and create solutions to reach their goals. Homeownership is a major step and often the largest investment of your lifetime.

Let me help you navigate your mortgage journey with confidence, contact me today!

Mortgage Home Purchase Loans without the Hassle!

Need financing options on a home, or other real estate? Choosing a purchase loan product that matches your goals and making sure you get the best rate for your given scenario can feel like playing whack-a-mole.

We're here to make the home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with a FREE pre-approval letter request.

We'll help you clearly see differences between loan programs, allowing you to choose the right one for you whether you're a first-time home buyer or a seasoned investor.

The Home Purchase Loan Process

Here's how our home purchase loan process works:

  • Complete our simple mortgage pre-approval letter request
  • Receive options based on your unique criteria and scenario
  • Compare mortgage interest rates and terms
  • Choose the offer that best fits your needs

 

Do I qualify to buy a home?

To qualify for a mortgage, lenders typically require that you have a debt-to-income ratio of "43/49." This means that no more than 43% of your total monthly income (from all sources, before taxes) can go toward your new mortgage payment, and no more than 49.99% of your monthly income can go toward your total monthly debt (including your mortgage payment). VA and FHA loans even allow for higher debt ratios on a case-by-case basis.

  • Fixed Rates
  • Adjustable Rate Mortgage (ARM)
  • Conforming Loans
  • Jumbo & Super Jumbo Loans
  • FHA, VA, & USDA Loans
  • Terms from 5 to 30 Years

Home Refinance Loans without the Hassle!

Need refinancing options on a home, or other real estate? Choosing a refinance product that matches your goals and making sure you get the best rate for your given scenario can feel like playing whack-a-mole.

We’re here to make the home refinance process a whole lot easier, with tools and expertise that will help guide you along the way, starting with a FREE refinance analysis request. 

We’ll help you clearly see differences between loan programs, allowing you to choose the right one for you whether this is your first refinance or 7th.

The Home Refinance Process

Here’s how our home refinance process works:

  • Complete our simple home refinance analysis request.
  • Receive options based on your unique criteria and scenario
  • Compare mortgage interest rates and terms
  • Choose the offer that best fits your needs

Why Refinance?

Refinancing is the process of paying off your existing mortgage with a new mortgage. Typically, you refinance your mortgage to reduce your interest rate and monthly payment or change the length (or term) of your mortgage. You may also refinance to take cash out from your home’s equity.

  • Fixed Rates
  • Adjustable Rate Mortgage (ARM)
  • Conforming Loans
  • Jumbo & Super Jumbo Loans
  • FHA, VA, & USDA Loans
  • Terms from 5 to 30 Years
  • Find out if you qualify to eliminate PMI (Private Mortgage Insurance)?
English English Spanish Spanish