Your Path to Successful
Homeownership Starts Here
Whether you're a first time home buyer or looking to refinance, we are here to help.
Make sure to turn up the sound!
👉 It's Never Too Early, or Too Late, To Start 👈
If you are considering buying a home in the future it is worth meeting with your lender. It doesn't cost anything and the information you gather can save you a significant amount of money when you are ready to take the next step and purchase a home. We will put a clear road map together for where you are now, and what you need to do to reach your home buying goals. I highly recommend scheduling an appointment as soon as you feel that buying a home is a goal for you.
Are You Ready?
Take our 3 minute quiz to see if you're ready to buy or refinance a house.
Home Buying Made Simple
With our 4 step proven process you're already closer than you think!
✅ Get Pre-Approved | Before you start house hunting, get your MAP (Mortgage Action Plan) to see how much you’re qualified for and set clear goals to prepare for your dream home. Once complete, you’ll receive your pre-approval letter and be ready to make a strong offer!
🏠 Go House Shopping | Now that you have your pre-approval letter its time to go shop! Your qualified, professional realtor will begin showing you homes and submitting offers. If you don't have a great realtor we help you find the right one.
🎯 Get Your Offer Accepted | Your offer was accepted! Now it’s time to gather the final documents to get your loan closed. Don’t worry, my team and I will guide you every step of the way to ensure a smooth process.
🔑 Get Your Keys | Congratulations! You have now successfully purchased your home and the keys are in your hands. Enjoy your new home and all of the memories you are going to make there. We now continue to help you manage your mortgage for years to come!
MEET THE FOUNDER & CEO
Hey, I'm Scottie!
Mortgage Advisor | NMLS #1610726
Buying a home is one of the biggest financial decisions you’ll ever make, and it’s easy to feel overwhelmed by the process. That’s where I come in. I’m Scottie Campbell, founder of Waymaker Mortgage and I’ve spent over 20 years helping families like yours achieve financial freedom and build lasting wealth through homeownership.
I believe you deserve a mortgage experience that’s simple, transparent, and stress-free. My mission is to guide you every step of the way, ensuring you not only secure the right loan but also gain the confidence to make smart financial decisions for your future.
With my expertise and the proven systems at Waymaker Mortgage, you’ll move from uncertainty to empowerment—and take a giant step closer to living your version of the American Dream. Let’s work together to make it happen!
Empowerment Through Education
Your Financial Freedom = My Mission
Exceptional Service Guaranteed
How Does It Work? Get Started in Just a Few Easy Steps!
You need the right information to make the right decisions. Our MAP (Mortgage Action Plan) will get you there:
Step 1: Fill Out Our Quick Form | Start with a few easy questions, and we’ll get you started today.
Step 2: Connect with a Loan Strategist | Our experts will walk you through your loan options, with personalized choices tailored to your needs.
Step 3: Choose the Right Loan Strategy for You | Discover the option that fits your lifestyle and affordability goals.
Step 4: Win the Home You Love | Now you’re ready to find the perfect home that meets your needs with confidence.
Don't worry, we make it EASY!
frequently asked questions
Your Questions, Answered
What is the difference between pre-qualification and pre-approval?
Pre-qualification provides an estimate of what you might borrow based on self-reported information, while pre-approval involves a thorough evaluation by a lender, giving you a more accurate loan amount.
What is the minimum credit score required to buy a home?
Credit score requirements vary by loan type. For instance, FHA loans may accept scores as low as 500 with a 10% down payment, but higher scores can secure better interest rates and terms.
How much do I need for a down payment?
Down payment requirements differ by loan program. Conventional loans may require as little as 3% down, while FHA loans require at least 3.5%. Some programs, like VA and USDA loans, offer zero-down options.
How much house can I afford?
Determining your budget is crucial. Consider factors like your income, debts, and the recommended 28%/36% rule, which suggests spending no more than 28% of your gross monthly income on housing costs and 36% on total debts.
What are closing costs, and how much should I expect to pay?
Closing costs are fees associated with finalizing a home purchase, including loan origination fees, appraisal fees, and title insurance. They typically range from 3% to 4% of the home's purchase price.
What is private mortgage insurance (PMI), and will I need it?
PMI is insurance that protects the lender if you default on your loan. It's usually required for conventional loans with a down payment of less than 20%.
How do I choose the right mortgage lender?
Selecting a lender involves comparing interest rates, loan terms, fees, and customer service. It's advisable to get quotes from multiple lenders to find the best fit for your needs.
How does my debt-to-income (DTI) ratio affect my mortgage eligibility?
Your DTI ratio compares your monthly debt payments to your gross monthly income. Lenders use this ratio to assess your ability to manage monthly payments and repay debts. A lower DTI ratio improves your chances of loan approval.
What are the steps involved in buying a house?
The home buying process typically includes getting pre-approved for a mortgage, finding a real estate agent, searching for homes, making an offer, conducting inspections, securing financing, and closing the deal.
What if I have more questions?
We’re here to make sure you feel confident every step of the way. If you have more questions, don’t hesitate to reach out—we'd love to connect with you personally! Click the button below to schedule a free consultation, and let’s work together to get you the answers you need to move forward with confidence. Your dream home is closer than you think!
Contact Us
3420 Executive Center Dr., Suite 165-A
Austin, Texas 78731
Waymaker Mortgage Company is an Equal Housing Lender. We fully comply with the Equal Credit Opportunity Act (ECOA) and all other Federal regulations. All applicants applying for credit from Waymaker Mortgage Company will never be discouraged on on the basis of race, color, religion, national origin, sex, military status, marital status, age, or because you get public assistance. All information we request is voluntary, and will be kept confidential. For more information on the ECOA, please visit:
http://www.ftc.gov/bcp/conline/pubs/credit/ecoa.shtm
© Copyright 2025 | Waymaker Mortgage Company | All rights reserved.
© Copyright 2025 | Waymaker Mortgage Company | All rights reserved.