Dallas, TXVA purchase
A second opinion that paid off
Came in pre-approved elsewhere and wanted another look. We restructured the deal and got him a better one.
Smooth closeBuyer’s agent @quentin.dfwrealtor
DFW mortgage broker · Naval Academy graduate · Navy veteran
Smart loans. Straight answers. Real results.
I’m Craig Scott. I compare lenders for you, explain every number in plain English, and stay on your file until you have the keys.
- $0 down VA, USDA and physician loans for eligible buyers
- Clear to close in as little as 9 days on recent loans
- One broker, many lenders — when one bank says no, we keep looking
Apply in about 10 minutes. Talking to Craig is free and won’t touch your credit.
Your loan officerCraig Scott
Used his own VA loan in more than one state. Now he fights those battles for you.
★★★★★
5.0 from 24 client reviews
5.0 from 24 client reviews
NMLS #2650008
Edge Home Finance LLC · NMLS #891464
Edge Home Finance LLC · NMLS #891464
At the closing tableWhere every one of Craig’s files is headed
A note from Craig
I’ve used my VA loan multiple times in multiple states. I know what it’s like on your side of the table — PCS orders, second-tier entitlement, underwriters who just don’t get it.
Now I use that experience to fight your loan battles for you, so you can focus on settling into a home. And it isn’t only veterans: teachers, physicians, first-time buyers and investors get the same thing from me — straight answers, every option on the table, and weekly updates until closing.
Craig ScottMortgage Loan Officer · NMLS #2650008
USNANaval Academy graduate
NavyOfficer veteran
8 statesRecent closings, TX to VA
Closed with Craig
Real families, real keys
Every card is a loan Craig closed and shared on Instagram — the city, the problem, and how fast it came together.
Dallas, TX
Los Fresnos, TXVA one-time close
$1.2M land + custom build, one closing
A couple of acres, the construction and the permanent loan in a single VA closing — no payments for up to 11 months while the home is built.
One closing
Sachse, TXRefinance
Saving over $1,000 a month
That is $12,000+ a year back in the homeowner’s pocket.
Closed in 9 days
Norfolk, VAVA purchase
Bought while deployed at sea
Barely any internet on deployment. We handled the Tidewater appraisal and the paperwork; they came home to their own front door.
Under 3 weeksBuyer’s agent @kerrytannerva
Fort Worth, TXVA purchase
$25,000 in equity on day one
The builder’s in-house lender couldn’t read active-duty and reservist pay. We could — and secured full builder concessions.
Just over 3 weeksBuyer’s agent @quentin.dfwrealtor
Prairie View, TXDown payment assistance
Down payment and closing costs covered
A program from one of Craig’s lenders covered both — with money left over to buy down the rate.
First home
New Orleans, LAVA duplex
A home that pays him back
Active-duty buyer, tenant already in the other unit, and a lender-paid 1-0 buydown worth nearly $3,000 in year one.
Cash-flowing
Brunswick, GAPhysician loan
Doctor’s loan, 0% down
Up to 100% financing and no PMI for a medical professional household.
0% downBuyer’s agent @katedanowski_re
Payment calculator
Estimate your monthly payment
Estimated monthly payment
$0/mo
- Principal & interest
- Property tax
- Insurance
- Mortgage insurance
- Loan amount
Illustration only — not a quote. VA shows the funding fee financed (2.15% first use) and no monthly MI; FHA uses 1.75% upfront and 0.55% annual MIP; conventional MI is estimated at 0.5%/yr under 20% down. Ask Craig for real numbers on your scenario.
Loan options
Compare all optionsFind the loan that fits your goals
From first-time buyers to seasoned investors — Craig will tell you which of these fits, and which don’t.
VA loans$0 down, no PMI and limits on closing costs for veterans, active-duty service members and eligible surviving spouses.
VA one-time close constructionBuy the land and finance construction in a single closing — with participating lenders, no payments for up to 11 months while the home is built.
Physician loansLittle or no down payment, no PMI and student loans treated fairly — for doctors, dentists, pharmacists, vets, residents and fellows.
30-year fixedThe lowest monthly payment of the traditional loans, and a rate that never changes.
15-year fixedPay the home off in half the time and save a large share of the interest.
Adjustable rate (ARM)A lower starting rate for 5, 7 or 10 years — useful if you plan to move or refinance before it adjusts.
FHA loansGovernment-backed loans with 3.5% down and more flexible credit and income guidelines.
USDA loansZero down payment for homes in eligible rural and suburban areas — often closer to the city than people think.
Jumbo loansFinancing above the conforming loan limit for luxury homes and high-cost areas.
Why home matters to me
I’m a husband and a dad first. I know what a home means.
When I walk through my own front door, that’s what all of this is for. So when you ask me about rates and down payments, I know what you’re really asking: can I give my family a place that’s ours?
My job is to get you to yes — and to treat your loan the way I’d want someone to treat mine. I’m not a bank. I’m the person who picks up when you call, the night before closing included.
Craig ScottHusband, dad, Navy veteran · NMLS #2650008
Client reviews
5.0
★★★★★
24 reviews from buyers, homeowners and Realtor partners on Craig’s review page — all five stars.
Read more reviewsTT
Troy T.Physician loan · military family · Jun 2026
★★★★★
If you are a physician, a military family, or anyone whose financial profile does not fit neatly into a conventional lending box, Craig Scott is the person you want in your corner. Every time a complication surfaced, Craig treated it as a logistics problem to be solved, not a reason to pump the brakes.
NS
Newjean S.Purchase · May 2026
★★★★★
He kept me informed every step of the way and made sure I always knew what was going on. Everything moved smoothly, and we were fully prepared to close in just 3 weeks.
CH
Craig HoustonRealtor partner · Feb 2026
★★★★★
My client was working with a previous lender who could only qualify him to a certain purchase price. Craig was able to land him with a lender who could break through that barrier. If he says he got you… he got you.
Local to Dallas–Fort Worth
A DFW mortgage broker who knows the metroplex
From Fort Worth to Frisco: new builds in Collin County, VA buyers near NAS Fort Worth, physicians and first-time buyers. Texas taxes and exemptions are part of every plan.
See all DFW citiesLearn with Craig
Follow @craigtheloanofficerMortgage questions, answered in a minute
Short videos from Craig’s Instagram. Tap to play.
Need a human touch?
Craig picks up.
Call, text or book 15 minutes. You will talk to Craig — not a call centre.
In the community
Where you’ll find Craig
Teaching veterans how to use their benefit, and building the team of agents and title partners that gets deals closed.
FAQ
Frequently asked questions
What does it mean to work with Craig?
You work directly with Craig from the first call to the closing table — one person who knows your file, answers his phone, and keeps your agent and the title company in the loop. As a mortgage broker at Edge Home Finance he can shop your loan with multiple lenders instead of one bank’s menu.
Do I have to be a veteran to work with Craig?
No. VA loans are Craig’s specialty because he is a Navy veteran who has used his own VA benefit, but he also does conventional, FHA, USDA, jumbo, physician, renovation and refinance loans for every kind of buyer.
How much do I need for a down payment?
It depends on the program. VA, USDA and physician loans can be zero down for eligible borrowers, FHA starts at 3.5%, and some conventional programs start at 3% — or 1% with lender-paid assistance for income-qualified buyers. Down payment assistance can cover part or all of it.
What credit score do I need?
Many lenders look for 620 or higher, and FHA allows lower scores with a larger down payment. Because Craig works with multiple lenders, a “no” from one bank is often not the final answer.
How long does it take to close?
Most loans close in about 21–30 days. Some of Craig’s recent clients closed a purchase in 9 days and a refinance in 4 days when the file was ready — every file is different.
Can I use my VA loan more than once?
Yes. VA entitlement can be reused, and in many cases you can buy again while you still have a VA loan on another home. Craig has done it himself in more than one state.
Let’s get you to the closing table.
Buying in Dallas–Fort Worth or moving from another state — Craig can help wherever he is licensed.