Meet Your Loan Officer | Scott Davis

Thank you for visiting my website. Our team philosophy is to always listen to each customer's needs, and respond to those needs efficiently and effectively. We strive to build long-term relationships, so that as your lender, we will be with you each time your life necessitates a home change. Many lenders can 'get you a loan'. Our goal is to 'get you the right loan'. We look forward to first earning your trust and then earning your business.

Scott Davis

Producing Branch Manager
NMLS#166596
Office: 703.214.4458
Cell: 703.209.3138
Fax: 703.991.0432
sdavis@gmhmortgage.com
www.DavisTeam.com

21515 Ridgetop Circle, Suite 330
Sterling, VA 20166

Introducing Our New and Improved Program

We're Proud to Support Our Community Heroes.

As our way to give back to those who have served and supported our country and local communities, we're offering a $599 lender credit to all active military, veterans, first responders, firefighters, law enforcement, teachers and healthcare providers as our way to say "thank you". 

The Loan Process

Tips for a Faster Loan Approval

Prompt Communication
Respond timely to any requests for additional documents especially if you need to close by a certain date.
Complete Application
Make sure to fill out your loan application completely.
No High Ticket Purchases
Do not make any major purchases until your loan closes. This can have a harmful effect on your current loan application.
Untraceable Funds
Do not transfer money into your account that cannot be traced.

FHA Loan
FHA Loans offer a low down payment, flexible qualifying requirements and are tailored to fit a variety of needs. FHA loans are perfect for homebuyers with less than stellar credit or with less cash available for an initial down payment than usually required.
VA Loan
VA loans offer military veterans and active military members 100% financing and have flexible requirements and qualifications. These mortgages do not always require a down payment and are guaranteed by the Department of Veterans Affairs, so they do not require mortgage insurance.
USDA Loans
USDA Loans offer 100% financing, minimal down payment, competitively low rates and flexible income requirements for mortgages located in rural areas. There are several types of USDA loans that help low- or moderate-income borrowers buy, repair or renovate a home in a rural area.
Adjustable Rate Mortgages
An Adjustable Rate Mortgages or ARM, carries an adjustable interest rate. Typically a borrower will start with a lower interest rate than that of a typical Fixed Rate Mortgage, but the amount of the monthly house payment will adjust and change over time as interest rates fluctuate.
Jumbo Loans
Jumbo loans allow borrowers to secure financing much greater than the conforming limits set by regulations for homes in most areas.
Interest Only
These loans allow the homeowner to make lower monthly payments by only requiring the interest payment for a set period of time, typically in the 5-10 year range. Interest-Only Loans are perfect for borrowers whose income fluctuates or is anticipating a sizeable increase in their future income.
Conventional Loans
A Conventional Loan refers to a loan that is not backed, insured, or guaranteed by the US government. These loans can be either conforming or non-conforming.
Conventional Conforming
Loans that are generally approved for a term of 15 or 30 years.
City, County and State
GMH offers a wide variety of local programs that are specific to that area. These types of loans are sponsored by regional Housing Finance Agencies (HFA), and typically carry rates lower than the current market, resulting in lower loan payments.

Click here to visit our full Programs page to learn more.

Safe & Secure Process

Access your file anytime, anywhere, through our GMH Borrower Portal
Safe and secure processes that will leave you worry free
Expedited service will get you into your home faster

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