Scott Riis

Mortgage Loan Originator
NMLS#: 604324

Office: 214-216-1760 Ext 104

Mobile: (817) 800-5794
scott@richardsonmortgagetx.com

Meet Scott!

Scott Riis is an experienced home mortgage professional with more than 10 years of experience in the mortgage industry. Scott’s hard work ethic and deep knowledge base have enabled him to be at the forefront of today’s ever-changing market.

Previously, Scott had a passion for Automotive Finance as well as Banking, which now allows him to better guide his clients through the mortgage process. Though his specialty is in residential mortgages, he is familiar with an array of lending products, including bank statement loans, and construction loans.

When not being deep into the real estate industry, Scott is able to relax with his family and enjoy grilling, swimming, watching his son play soccer, his daughters draw as well as swim.

All-in-One Solution

Our Loan Process...

LOAN APPLICATION

The first step in the mortgage process is to submit an application. The application includes information about you, your finances, and the details of your potential mortgage.

PRE-APPROVAL

A pre-approval is a preliminary indication to determine the maximum amount you qualify for. The lender will evaluate your ability to afford a mortgage payment based on your credit score, income, assets, and debts. ( this is not a loan commitment)

SHOP

Armed with your pre-approval letter, you can now begin the house-hunting process. Your real estate agent will help you find properties that match your criteria and housing budget set by you and your lender. Exciting times!

LOAN PROCESSING

Your loan processor will prepare your file to enter underwriting. During this time, all necessary paperwork is assembled, reports are ordered, such as your title search and tax transcripts, and all information on your application is verified.

UNDERWRITING

During this step, your underwriter will review your information in great detail. Note that your underwriter may come back with questions. Be sure to respond in a timely manner to ensure a smooth underwriting process.

CLOSING

A closing is a meeting that involves all the parties signing the final documents and legally transferring the property to you. When you are finished signing the closing documents, you will be given the keys to your new home. Congratulations!