If this is your first time buying a home, or it’s been a long time since the last time, you may not know what to do. That’s where I come in.

Hello, I’m Scott Hine with Union Home Mortgage. I’ve been in the mortgage business for 16 years, and can guide you through the process of buying or refinancing a home. Mortgages are what I do every day for people just like you utilizing years of experience with all kinds of mortgages, including construction, jumbo and VA lending packages.

I remember my first home purchase—I was lost. I didn’t even know what questions to ask! If you’re looking for your first home, you probably need a little guidance, too.

A home is the biggest investment you’ll ever make, and every mortgage is different. Today, working for Union Home Mortgage, the lending company that wants to help you achieve your dream of home ownership.

I not only work with you to help you get into your home, I’m here to help you with financial planning for your future, too.

Before I was in the mortgage business, I was a teacher. I’m still teaching, but the subject is different. I still enjoy my job, and enjoy helping people through their home-buying (or refinancing) process. All your questions will be answered.

Have you been turned away by other mortgage companies? Call me. I can help where other mortgage companies can’t. Based right here in Fredericksburg.

I’m looking forward to working with you soon.

I am an experienced mortgage loan advisor with a proven track record who understands everyone cannot meet with their mortgage lender during normal 9 to 5 hours, so I make myself available during evenings and on weekends when necessary. I understand the forces that drive interest rates and the importance of sound financial planning. I can advise you on strategies for getting the best type of loan and rate to suit your goals. I am very knowledgeable and experienced in all loan programs including Jumbo, Conventional, FHA, VA, USDA, Construction, renovation, and especially First Time Home Buyer loans through VHDA.

In a continuously changing industry, the guidelines and products are rapidly modified. Capitalizing on cutting-edge technology in communication, processing, and in-house underwriting, I have the tools available to close your loan on time. I enjoy educating my clients on how the loan process works and spend the time necessary to make sure each borrower is comfortable, and well-informed throughout the loan process and after closing.