Tab Scott, Regional Manager and Senior Mortgage Advisor at Focus Home Lending, brings nearly 30 years of hands-on mortgage expertise to every client she serves. Licensed in AK, FL, ID, OR, TX, and WA, Tab blends proven lending strategies with modern tools to help you secure the right home loan solution with clarity, confidence, and care.
Whether you are buying your first home, refinancing, or investing, I will help you compare the right loan programs for your income, budget, and timeline. Expect competitive rates, flexible terms, and clear guidance from application to closing.
Tab Scott, Regional Manager and Senior Mortgage Advisor at Focus Home Lending, brings nearly three decades of experience in the mortgage industry, delivering expert home loan solutions with a balance of old-school dedication and modern efficiency. Born and raised across the state of Alaska—from Fairbanks to Anchor Point—Tab’s deep local roots and work ethic were shaped by her upbringing as the daughter of an Alaska State Trooper.
Since beginning her career in 1994, Tab has worked her way up from receptionist to branch manager, gaining a full-spectrum understanding of the lending process. She’s known for combining personalized service with the latest mortgage technology, using every tool at her disposal to ensure her clients receive the best loan options to meet their unique needs.
Tab is licensed in Alaska, Florida, Idaho, Oregon, Texas, and Washington, and she serves a wide range of borrowers—from first-time homebuyers to experienced homeowners and investors. Her tenacity, industry knowledge, and deep commitment to her clients make her a trusted resource in home financing.
Whether you’re buying your dream home, refinancing, or exploring new lending opportunities, Tab Scott is the mortgage professional you want by your side.
Licensed in AK, FL, ID, OR, TX, and WA
Compare purchase and refinance options with competitive rates and terms. Get straightforward guidance and a smooth process designed to help you close with confidence.
Every borrower has a different income, credit profile, and financial goal. We structure home loan options around your situation, whether you are buying, refinancing, investing, or self employed.
We offer conventional, FHA, VA, and refinance options with competitive interest rates and term structures designed to reduce monthly payments and support long term financial stability.
Licensed to lend across multiple states, we help buyers and investors secure financing wherever they purchase, with clear guidance on guidelines, timelines, and closing requirements.
Our streamlined mortgage process prioritizes complete documentation, proactive communication, and efficient underwriting to help qualified borrowers close quickly and confidently.
From first-time homebuyers to seasoned investors, we offer a wide range of Home Loan and Mortgage solutions designed to meet your unique needs. Discover competitive rates, flexible terms, and expert support to help you achieve your homeownership goals.
With nearly three decades of experience, Tab Scott has built a reputation for integrity, hard work, and helping clients achieve their homeownership goals. Her career journey from receptionist to regional leader gives her a deep understanding of every stage of the mortgage process and the ability to simplify even complex financing situations.
Raised in Alaska, Tab understands the unique challenges borrowers face and combines personalized guidance, strong work ethic, and modern mortgage technology to deliver smooth, efficient results. Whether you are buying your first home, refinancing, or exploring loan options across multiple states, she provides clear advice and dependable support at every step.
When you work with Tab Scott, you gain more than a mortgage advisor. You gain a trusted partner focused on helping you move forward with confidence.
Get straightforward answers to common home loan and refinance questions, including credit requirements, down payments, timelines, and what to expect during the approval process.
We specialize in a wide range of mortgage solutions, including conventional loans, FHA, VA, jumbo loans, and more. Whether you are a first-time homebuyer, self-employed, or looking to refinance, we have tailored options to fit your needs.
Getting started is easy. You can reach out to us for a quick strategy session where we’ll discuss your goals and gather some initial details. From there, we guide you through pre-approval, document collection, and the entire loan process step by step.
Borrowers with stable W2 income, a 620+ credit score, manageable debt, and documented assets are typically strong candidates for conventional financing with competitive rates and flexible terms.
Many qualified buyers purchase with 3% to 5% down on conventional loans or 3.5% down on FHA loans, depending on credit profile and overall financial strength.
FHA loans are often a good fit for first time buyers or borrowers with moderate credit who want lower down payment options and more flexible qualification guidelines.
Lenders typically average the last two years of net income shown on tax returns. Consistent earnings, organized financials, and stable business history strengthen approval.
Yes. Self employed and 1099 borrowers can qualify with proper documentation, steady income history, and strong credit. Clean records help ensure smoother underwriting.
Strong investor files usually include solid credit, adequate reserves, rental income support, and appropriate down payment, typically 15% to 25% depending on loan structure.
Refinancing may make sense when you can lower your interest rate, reduce your monthly payment, shorten your loan term, or improve overall financial positioning.
The first step is a mortgage pre approval. This includes reviewing income, credit, and assets to determine eligibility and provide a clear purchase or refinance strategy.
