Why Choose Trust Mortgage?
- Over 30 years of mortgage experience.
- Access to multiple lenders, which means more options for you.
- Expert guidance for first-time buyers, self-employed borrowers, investors, and more.
- Honest advice, even if buying today is not your best option.
- Clear communication from application to closing.
- A local mortgage broker who treats you like family, not a loan number.
How much do you qualify for?
At the Dana Alys Scott with Trust Mortgage Team,
we focus on three things when working with clients:
Providing Open and Honest Communication
There should be no surprises during the loan process. We provide transparency in the lending process and ensure that borrowers (and their real estate agents) know what is going on at every stage. market.
Educating Borrowers
If borrowers understand their options, they can make better decisions. We take the time to educate borrowers about the loan process generally and their specific situation.
Focusing on Solutions
There can be hurdles in the loan process, but if we don’t succeed, our clients do not get the home they want. That is why we get to know our client’s full financial situation. We use that information to understand their full range of options and provide them with the best solution for them.
What Our Clients Are Saying
Trustindex verifies that the original source of the review is Google. Dana and Aryn did a great job helping us find the best mortgage for us and then keeping us informed every step of the way. Everything went smoothly at closing. Great experience!Trustindex verifies that the original source of the review is Google. From our first to our last interaction, Dana Scott did a fantastic job securing our Mortgage through Closing. She made herself available and encouraged us to ask questions all through the process. She and Aryn guided us through from beginning to end, keeping us fully informed and gave guidance when necessary. I highly recommend Dana Scott when you are buying your next home! She’s a pleasure to deal with and very professional!Trustindex verifies that the original source of the review is Google. Dana and Aryn with trust mortgage are top notch. You will not find a company that is more on top of your mortgage needs. I couldn’t recommend them more!!Trustindex verifies that the original source of the review is Google. I highly recommend this company. Dana goes above and beyond throughout the entire process. She is thorough and works for her client. I can’t say enough wonderful things. Thank you!Trustindex verifies that the original source of the review is Google. Dana's expertise and friendly demeanor was more than we could ask for. Even after the sale was done she answered any questions we ran into. We know that we can always count on her to help us. Thank you Dana!Trustindex verifies that the original source of the review is Google. Dana was beyond helpful. As first time homebuyers me and my fiancé were thrilled with how communicative she is. She was reliable when the stress got to us. She also was very professional but also understood that there would be questions that we had. She called and spoke to us a bunch to help out with any issues. Would absolutely recommend to anyone.Trustindex verifies that the original source of the review is Google. Dana and her team were amazing!!! My financial situation wasn't what you would consider "ideal" and I was not optimistic of even being able to purchase. The experience, knowledge, and professionalism that Dana brought to the table were second to none!! Dana and team communicated exceptionally well through the entire process!! The speed in which we went from gathering documents to closing table was beyond belief. If you are looking for someone to help out with anything financial that Dana and her team service....look no further. I HIGHLY recommend this organization and Dana herself. THANK YOU GUYS!!!!Trustindex verifies that the original source of the review is Google. I don’t normally write reviews, however, Dana Scott and her team most certainly deserve major kudos! She worked wonders for me and made the near impossible possible. She was a delight to work with. She is efficient, diligent and always readily available to answer all questions and walk you through the home buying process. I highly recommend her.Trustindex verifies that the original source of the review is Google. We were privileged to have Dana as our mortgage broker, and she was absolutely outstanding from start to finish. She was always attentive and made sure we understood every step of the process, explaining things clearly and patiently. When inevitable complications arose, Dana was creative and resourceful in finding effective solutions, always putting our best interests first. She kept in constant contact, updating us every step of the way, which gave us complete confidence and peace of mind. On top of her professional expertise, Dana is a warm, lively person with a great sense of humor — she made what could have been a stressful process genuinely enjoyable. She has since shared with us interesting events going on around our new home. We wholeheartedly recommend Dana to anyone needing mortgage guidance. Thank you, Dana!!
Meet the Team
Dana Alys Scott
Founder | Trust Mortgage
I wanted to create a mortgage company where people felt heard, educated, and supported throughout the process. My clients are never just another loan file. Every family has a different story, different goals, and different financial circumstances. I take the time to understand those goals so we can find the mortgage solution that truly fits.
As an independent mortgage broker, I have access to multiple lenders and a wide variety of loan programs. That gives me the flexibility to shop for competitive rates and financing options instead of trying to fit everyone into the same loan.
I work with first-time homebuyers, move-up buyers, retirees, self-employed borrowers, real estate investors, and clients whose situations require a little extra creativity. Whether your loan is straightforward or more complex, I enjoy finding solutions and helping you navigate the process with confidence.
One of the things my clients hear me say often is this:
“I am not here to tell you how much house you can buy. I am here to help you determine how much house you are comfortable paying for every month.”
I believe that buying a home should strengthen your financial future, not create unnecessary stress. My responsibility is not simply to get your loan approved. It is to help you make a smart financial decision that you can feel good about long after closing day.
When I am not helping clients, I stay active in the community that I call home. I believe in giving back through local organizations and volunteer work because strong communities are built by people who care about one another.
Whether you are buying your first home, refinancing your current mortgage, or investing in real estate, I would be honored to help you through the process. My commitment is simple. I will communicate openly, educate you every step of the way, and always put your best interests first.
I look forward to earning your trust.
Direct: 570-630-2942
Cell: 845-857-4796
Email Dana
Your Top Mortgage Questions, Answered!
Yes—getting pre-approved is a very important first step in the homebuying process. It helps you understand what you can comfortably afford. A lender doesn’t just look at the loan amount—they also factor in property taxes, homeowner’s insurance, and any applicable HOA dues when determining your full monthly payment.
Pre-approval also strengthens your offer. Sellers want to know you’re a serious buyer who won’t back out of a contract due to financing issues. During this process, your lender will review your income and asset documentation, which helps avoid any surprises later on. Income can be calculated in several ways depending on loan guidelines—so it’s better to have that clarity upfront.
Mortgage rates change daily—and sometimes multiple times a day! If you’re going with a fixed-rate loan, you can “lock in” a rate to secure it for the life of the loan. It’s a good idea to check rates before you start house hunting to make sure the payments align with your budget and there are no surprises later.
Your DTI is how lenders measure your ability to repay the loan based on your income versus monthly debt obligations. This includes your projected mortgage payment (principal, interest, taxes, insurance, and any mortgage insurance), plus your other monthly debts—such as credit cards, car loans, student loans, child support, alimony, 401k loans, and payments on any additional properties you own.
Understanding your DTI helps ensure your loan meets program guidelines and sets you up for long-term success.
The credit score needed depends on the type of loan you’re applying for. Conventional loans typically require a minimum score of 620. FHA loans offer more flexibility—allowing for scores as low as 580 with 3.5% down, or even 550 if you have 10% down.
Before starting the mortgage process, it’s a good idea to review your credit. You can obtain a free copy of your report once a year at AnnualCreditReport.com. Be sure to pay bills on time, keep balances low, and avoid opening new credit accounts just before applying for a mortgage.
If you’re putting less than 20% down on a conventional loan, you’ll likely be required to pay Private Mortgage Insurance (PMI). This protects the lender in case of default. The good news? You can request to remove PMI once your loan-to-value (LTV) drops below 80%, or it will automatically drop off after a certain number of years.
For FHA loans, the insurance is called a Mortgage Insurance Premium (MIP). This works similarly but cannot be removed unless you refinance out of the FHA loan or pay it off completely.
Owning a home means you’re building equity for yourself—not paying someone else’s mortgage. Rent can increase with little notice and offers no long-term financial return. With homeownership, you’re investing in something that can grow in value over time, helping you build wealth and stability.
There are also potential tax benefits, like the ability to deduct mortgage interest (be sure to consult with your tax advisor for details). Owning a home is often one of the biggest and most rewarding investments you’ll make in your lifetime—and I’d be honored to help guide you on that journey.
