Most People Are Overpaying on Their Mortgage… Let's Fix That
Connect directly with Scott Betley ("That Mortgage Guy") who helps thousands of buyers and homeowners secure better approvals, lower payments, and smarter financing strategies.
Let's See What You Qualify For...
Takes 60 seconds. No pressure. Just real answers.
Trusted by Thousands of Homebuyers Nationwide
Real people. Real results. Real reviews from clients who got better mortgage outcomes.
Based on 200+ Google Reviews
I've Seen Every Side of This Industry — And Most People Are Getting It Wrong
I'm Scott Betley — most people know me as "That Mortgage Guy."
I've spent the last 14+ years in the mortgage industry working with companies like NFM Lending, First Home Mortgage, MBA Mortgage, and Hoot Home Loans.
Over time, I realized something: Most homebuyers aren't losing because of the market — they're losing because they don't have the right strategy.
"That's why I built my brand online — to break things down in a way that actually makes sense and help people win in this market."
What sets the That Mortage Guy Team Apart
Lower rates. Access to every loan program available in today's market. A team dedicated to making your experience one of a kind.
300+ Lender Network
You're not limited to one bank. Get access to over 300 banks and lenders nationwide competing for your loan.
Strategy-First Approach
Not just "what's your rate." We analyze your full financial picture to find the best path forward.
Real-Time Market Intel
Guidance based on current conditions, not yesterday's news. Daily market updates and rate tracking.
Access to Experienced Industry Professionals
My team services every state except NY. You work directly with experts, not call centers.
50+ Loan Programs for Every Situation
From first-time buyers to seasoned investors and everything in between, we have the financing solution for you.
Traditional & Conforming Loans
Standard mortgage products for qualified borrowers with traditional income documentation.
Check Your EligibilityConventional Loans
Standard fixed and adjustable-rate mortgages with competitive rates.
Jumbo Loans
Higher loan amounts beyond conforming limits for luxury properties.
Manufactured Home Loans
Financing for manufactured and modular housing.
Non-Warrantable Condo Loans
For condos that don't meet standard Fannie/Freddie criteria.
Professional Loans
Specialty loans for doctors, dentists, and professionals with flexible terms.
Energy-Efficient Mortgages
Finance green home improvements and energy upgrades.
Government-Backed Programs
Federal and rural housing programs with flexible qualifying requirements and low down payments.
See If You QualifyFHA Loans
Including FHA Streamline and 203k Rehab loans. Down to 500 credit score.
VA Loans
Purchase, refinance, and IRRRL options for veterans with no minimum credit score.
USDA Loans
Zero down payment for eligible rural properties.
Down Payment Assistance
Various DPA programs to help with upfront costs.
Affordable Housing Programs
For low-to-moderate income buyers with special assistance.
Rural Home Loans
Specialized financing for properties in rural areas.
Non-QM & Specialty Programs
Alternative financing for self-employed, foreign nationals, and unique situations that don't fit traditional guidelines.
Explore Your OptionsNon-QM Loans
Bank statement, asset-utilization, and alternative documentation loans.
ITIN Loans
For borrowers without a Social Security Number.
Foreign National Loans
For non-U.S. residents purchasing U.S. property.
Portfolio Loans
Custom loans held in-house for maximum flexibility.
Asset-Based Lending
Loans based on asset value rather than income.
Community Mortgage Programs
No income or employment verification options.
Barndominium Loans
For unique property types and custom builds.
Land and Lot Loans
For purchasing undeveloped land for future building.
Real Estate Investor Programs
Specialized financing for rental properties, fix-and-flips, and portfolio building with flexible qualification options.
Discuss Your StrategyDSCR Loans
Investor cash-flow loans based on rental income, not personal income.
Fix & Flip Loans
Short-term financing for renovation and resale projects.
Investor Lines of Credit
Revolving credit for multiple property acquisitions.
Multifamily Loans
Financing for 5+ unit residential properties.
Short-Term Rental Loans
For Airbnb and vacation rental properties.
Investor Portfolio Loans
For multiple property investments under one loan.
Build-for-Rent Loans
For constructing rental communities from the ground up.
SFR/Condo Investor Loans
For single-family and condo investment properties.
Non-Owner Occupied Loans
Standard financing for investment properties.
Investor Rehab Loans
For property improvements and value-add projects.
Equity & Reverse Mortgages
Access your home's equity or convert it into income with flexible solutions for homeowners 62 and older.
Calculate Your EquityHELOCs
Home Equity Lines of Credit for flexible access to funds.
Reverse Mortgages
HECM and proprietary jumbo reverse options for seniors.
Second Mortgages
Standalone second-lien options for additional borrowing.
Shared Appreciation Mortgages
Reduced interest rates in exchange for future appreciation share.
Home Equity Loans
Closed-end loans for lump-sum equity access.
Reverse for Purchase
Use reverse mortgages to buy a new home.
Equity Advantage Loans
Non-QM second mortgages with flexible terms.
Commercial & Business Financing
Comprehensive solutions for business owners, commercial properties, and entrepreneurs seeking capital.
Explore Commercial OptionsCommercial Loans
For business and investment properties.
SBA Loans
Small Business Administration financing for business needs.
Equipment Financing
For business equipment and machinery purchases.
Private Money Loans
Hard money loans for quick funding needs.
Mixed-Use Property Loans
For properties with residential and commercial use.
Business Lines of Credit
For working capital and operational needs.
Factoring and A/R Finance
For businesses leveraging accounts receivable.
Purchase-Order Financing
For business inventory and order fulfillment.
Commercial Bridge Loans
Short-term commercial financing for transitions.
Bridge Loans
Short-term financing for property transitions.
Construction & Renovation Financing
From ground-up builds to major renovations, we have specialized programs to turn your vision into reality.
Construction Loans
One-time close construction-to-permanent loans.
Renovation Loans
FHA 203k and HomeStyle renovation options.
Ground-Up Construction
For new builds from the foundation up.
Backed by One of the Largest Mortgage Broker Platforms in the U.S.
I've partnered with NEXA Mortgage to give my clients access to one of the most powerful lending platforms in the country.
in the U.S.
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Featured across major media and trusted by a growing audience of 1,200,000+ followers.
Here's What Happens Next
Simple, transparent, and designed to get you answers fast.
Fill Out the Form
Takes 60 seconds. No credit pull required to get started.
We Review Your Scenario
My team analyzes your situation across 300+ lender options.
We Reach Out
Get your personalized options with rates, programs, and strategy.
You Decide
No pressure. Just real answers so you can make the best move.
Let's See What You Actually Qualify For
Takes 60 seconds. No pressure. Just real answers.
Get My Options Now