Scott Layden, Sr. Mortgage Loan Originator, is dedicated to your financial peace and real estate ownership success.
As a past investor, developer, real estate broker, landlord, and for the last several decades a mortgage originator, Scott brings a multi-faceted skillset to your mortgage purchase and refinance planning.
The Scott Layden Team is known for expertise in execution, understanding client needs, top notch communication, a simple and reliable mortgage process, efficient problem-solving, and on time closings. Our team views mortgages, not as merely a debt to be paid off, but as a financial tool to enhance our clients’ short, medium, and long term financial well-being. We help guide clients through making decisions that are best for them. We balance the goal of “lowest net after tax cost of borrowing” with a client’s other priorities such as cash flow, side investments, and making sure we leave room in your budget for “off application” expenses like tuition, savings, etc.
Scott thrives on helping people find opportunities, savings, insight and profits which might otherwise be overlooked by other loan originators. Once our team has gathered your basic information, Scott will meet with you, educate you, and help you choose the best mortgage loan options specific to your needs.
Scott partners with the best Realtors, CPAs, financial advisors, private bankers (as needed), and insurance agents in the market to help you succeed financially.
Reviewed by Marilyn C, Spring Hill, TN
"Helpful, friendly, quick to respond. The whole team feels like family. "
Reviewed by Andrea C, Smyrna, TN
"I had a great experience with NFM Lending. Scott, Vicki and Tabatha were so nice and very professional. Excellent customer service."
Reviewed by Carlos T, Thompsons Station, TN
"I really like the service, they make me feel like family not like another # or loan on a pipeline, they answered all my phone calls and emails right away, In few words, thank you for the great service!"
Reviewed by Megha K, Antioch, TN
"Scott and his team made our home buying experience a breeze! This was our first home buying experience, and we're so glad we went through Scott for this. His team communicated promptly and efficiently all throughout the process and were also always available to answer any questions we had. They are the BEST and we will definitely love to work with them again, in the future! "
Reviewed by Daivat K, Antioch, TN
"As first time home buyer we were really happy and pleased with Scott and his team. They were very helpful through out the process and took time it answer any questions we had. I will highly recommend Scott’s team! "
Reviewed by Gregory B, Columbia, TN
"You told what to expect and never deviated from the task getting me a loan! Great job by all. Loved the dog!"
Here are some useful links to get you started in the loan process.
Our mortgage calculators can be used to estimate how much your monthly mortgage payments will be, see if you will save by refinancing your mortgage, or to find out how much house you can afford.
Found a good home at a great price that just needs a little work? Own a home that could use some upgrades? The 203(k) loan may be the program for you.
Applying for a loan? You may be asked to provide some of the documents on this list during the loan application. Get these items in asap to help speed up your loan process.
Confused with the complicated mortgage lingo? Here is a list of commonly used terms that may help you understand better as you speak with realtors and loan officers.
Ready to Refinance
Are you considering refinancing your home? Before you begin the process, you should evaluate your options and personal finances. This guide will help.
Home Buyer's Checklist
When house hunting, it is easy to forget or confuse the different features of the many houses you will see. Here is a checklist to assist in finding the perfect home for you.
Here are some helpful hints and a detailed timeline to prepare your family for one of the most exciting times of your life - moving day.
Saving to Buy a Home
Saving for a home is a tremendous task that requires dedication and thought. Here are some helpful hints and tips on how to save for your down payment.