Welcome to My Special Mortgage!
We are the One-Stop-Shop for all your Mortgage Needs!
Refinance or Purchase. We have more loan programs available than most other lenders.
With more loan programs and investors, we are able to assist more people, say YES more often, and provide the absolute best loan programs and rates in the industry directly to you. No matter your situation, we have the unique expertise and caring attitude to help you get the best loan possible!
Our motto is simple; “Everyone leaves the closing table happy!”
Ready to make your dreams come true?
You have come to the right place!
Whether this is your first home, or you have owned before, SCL Mortgage is the place for you!
We offer more loan programs than most other lenders which allows us to provide the best loan program and lowest rate for your individual situation.
Our Loan Officers make the difference for you! If you are a first-time buyer, you will appreciate their caring attitude as they guide you step-by-step through the process. If you have home buying experience you will enjoy our efficient processes and great communication. Learn More
Home Equity Line of Credit
Introducing the SCL HELOC, our new loan product that provides you cash based on your equity without refinancing your primary mortgage.
Use your cash to pay off expensive debt, unexpected expenses, medical bills, home improvements*, education costs, emergency savings to increase your financial stability and more!
🗸 Keep your current mortgage and rate
🗸 Available on Primary Residences and Second Homes
🗸 Loans amounts from $100,000 to $350,000
🗸 Great interest rates available!
Is refinancing your mortgage right for you?
Let us do the math and you decide!
If you haven’t yet taken advantage of the benefits of refinancing your mortgage while leveraging your equity you could:
🗸 Pay off your expensive non-tax deductible debt
🗸 Save by eliminating your private mortgage insurance (PMI) payments
🗸 Provide cash-out for home improvements, education costs, emergency savings and more
Land Loans are a great choice for future home builders who have a plan but may not want to jump right into building and financing a house immediately.
No limit on acres. Flexible terms. Low fixed rate. Available in Colorado, Nebraska, South Dakota, North Dakota only.
Buy Now, Build Later!
NEW or UPDATED Loan Programs
Non-Traditional Home Loans
SCL can finance Modular, Manufactured and Post & Beam / Barndominion homes!
These home types are becoming more and more popular but it may be difficult to find financing.
SCL Mortgage can help!
Cash to Compete Program
Turn yourself into a CASH Buyer!
The winning advantage on your dream home purchase offer.
Buyers with Cash Offers are 4 times more likely to have their offer accepted. Buyers save $13,000, on average, in multi-offer situations, when compared to the highest offer. Give yourself the buying power to win!
Lock & Shop
Shop for your new home with a pre-approval and the security of a locked interest rate!
You can now lock in your interest rate while you shop for your new home. If the rates improve, you can still choose the better rate.
Featured Loan Programs
Bank Statement Loans for the Self-Employed
Self-Employed? No Problem!
We Specialize in Mortgage Loans for the Self Employed!
We understand the challenges of home loans for self-employed people and we have GREAT NEWS – we can use bank statements for income documentation. No tax returns required! Purchase or Refinance Available. Learn More
Credit Challenges? Don’t Give Up!
We Specialize in Helping People with Unusual Financing Needs
We understand the challenges of home mortgage loans for people with less than perfect credit and have GREAT NEWS – we have helped hundreds of people obtain mortgage loans when they didn’t think they could. Learn More
Commonly referred to a Fannie Mae or Freddie Mac loan for just about any term you want.
SCL does not have any credit overlays on our conventional loans, we get an automated approval and we are good to go. With some of the best rates in the country you cannot go wrong with a conventional loan from SCL!
An FHA loan is a government-backed mortgage insured by the Federal Housing Administration, or FHA for short.
FHA loans can be helpful for new homebuyers, but you don’t have to be a first-time buyer to qualify. FHA home loans typically require lower minimum credit scores and down payments than many conventional loans.
Serving those who have served.
VA Loans are one of the best mortgage loan products on the market. Did you know you can borrow with ZERO MONEY DOWN?!
SCL Mortgage is proud to be a veteran owned company!
Refinance your mortgage on your ‘own terms!’
Would you love to refinance but don’t want to ‘start over’ with a 30 year mortgage?
Great news! You can choose your term. 10 years, 15 years 20 years . . . any years. Whatever works best for you! Discuss your situation and goals with your SCL Loan Officer and customize the term of your refinanced mortgage to fit your needs.
A great option to increase your retirement cash flow!
SCL Mortgage offers the FHA Reverse Mortgage products and Jumbo Reverse Mortgages up to $4M for borrowers over 62 years of age. Another popular reverse mortgage product is the HECM for Purchase loan.
At SCL Mortgage, we use a consultative approach and explain all the options available to you so you can make the best decision for your particular situation. This mortgage can be a life changer! Learn More
SCL may very well have the best Jumbo Loans in the market today!
Up to 89.9% LTV (Loan-to-Value) to $2M and up to $3M with qualifying FICO scores and DTI (Debt to Income Ratio). Cash out options available and no PMI (private mortgage insurance).
Have an ITIN Number?
There are many people in the country legally that don’t have a Social Security number, but do have an ITIN number. (Individual Taxpayer Identification Number). If this is you, you may have issues getting a mortgage from traditional lenders. We can help!
Available for Purchase or Refinance.
Renovation Loan Program
Renovate or Remodel your Home!
Invest in the home you love! Happy with your existing house, neighborhood, schools and location but would like to make some changes and even increase your home’s value? Working from home and need a better office space, upgraded kitchen or bathroom, finished basement, additional bedrooms or even an outdoor pool? Changes and upgrades big and small, the Renovation Loan from SCL may be a perfect fit!
Asset Based Lending
Have Assets but not much Income?
Are you the person or couple that has significant assets but not as much in the way of annual income? SCL may be able to help you anyway with our Asset Based Loan, we look at your assets and not as much at your monthly or annual income. This is the perfect loan for people who fit into this situation. SCL will look to tailor a loan to just about every residential lending situation.
The SCL Construction Loan may include land, construction and permanent financing.
This loan program may be used for Stick-Built, Modular, Manufactured, Post and Beam / Barndominium.
Down Payment Assistance Program (DPA)
Make your dreams come true . . .
Have a FICO score of 640 or higher, enough income to qualify for the home price and $8000 to $10,000 cash for escrow and 3rd party closing costs? Imagine receiving 2-4% down payment assistance to purchase a home!
No upper income limits and not limited to first time buyers! Learn More