Scott The home loan guy is a mortgage broker with over 19 years of mortgage experience. I transact business in California. I am focused on providing lower rates, lower fees, and better service to our clients on every transaction. As a licensed Mortgage Broker I have access to and working knowledge of conventional, Jumbo, FHA, VA, Fannie Mae, Freddie Mac, Alternative, Non-QM, first-time homebuyer, refinance, fast purchase money closings and more.