Central Trust Bank, The 2

NMLS#

449957

About

Central Trust Bank, The 2

Scott Seaman, Vice President of Central Trust Bank, is an experienced Mortgage Loan Originator. With over two decades of expertise, Scott has navigated the dynamic nature of the mortgage loan process, comparing it to an exhilarating roller coaster ride.

During Phase 1, Scott guides clients through the uphill climb of prequalification, ensuring their needs are met. In Phase 2, the excitement builds as clients are prequalified and begin searching for their dream homes, experiencing a thrilling downhill drop. Phase 3 involves navigating loops, corkscrews, and switchbacks, with discussions of inspections, rate locks, appraisals, and underwriting, all while managing life changes simultaneously. Scott remains a trusted guide throughout, bringing clients safely to the closing phase. Even after closing, Scott maintains contact and continues to provide insights and support.

Scott invites you to connect with him to learn more about his innovative methodology and exciting approach to this significant financial journey. Get in touch with him by sending a quick message through the provided contact form on the website.

Loan programs at

Central Trust Bank, The 2

- Conventional Loans: A variety of traditional fixed-rate and adjustable-rate loans available for purchasing or refinancing a property.

- FHA Loans: Government-backed loans insured by the Federal Housing Administration, offering low down payment options and flexible qualification requirements.

- VA Loans: Loans exclusively for military service members, veterans, and eligible surviving spouses, providing favorable terms and benefits, including no down payment option.

- USDA Loans: Loans backed by the United States Department of Agriculture, designed for individuals in rural areas with low to moderate income levels.

- Construction Loans: Financing options specifically tailored for construction projects, allowing borrowers to build their dream homes.

- Jumbo Loans: Non-conforming loans that exceed the loan limit set by Fannie Mae and Freddie Mac, ideal for purchasing luxury or high-value properties.

- Home Equity Loans: Loans that enable homeowners to borrow against the equity in their property for various needs, such as home improvements or debt consolidation.

- Home Equity Lines of Credit (HELOC): A flexible line of credit secured by the equity in the borrower's home, allowing them to access funds as needed.

- Bridge Loans: Short-term loans used to bridge the gap between selling a current property and purchasing a new one, providing temporary financing assistance.