Military Friendly Lender

Scottie Campbell

Scottie Campbell

Scottie Campbell Mortgage Team powered by AnnieMac Home Mortgage

Cell Phone: 512.943.2243
Office Phone: 254.405.6505

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About Scottie Campbell

One of the greatest privileges of my life has been to help people achieve their dreams - one step at a time, especially active duty & veteran families. My mission is to serve those who serve our country & earn the benefit of the greatest loan available - the VA loan - as a VETERAN ADVOCATE. We have found that many military service members do not have a full understanding of how to use this incredible opportunity to their advantage in order to build wealth through real estate - we are working hard to change that!
Each individual or family we work with is unique - each has their own story and my goal is to do everything possible to help you write a new chapter in your story called “HOMEOWNERSHIP!”
A few years ago, my wife and I had the opportunity to purchase our first home together and WOW, what a ride it was! Being involved in the real estate industry for many years I thought I was prepared for what we we’re getting into - I was so dead wrong! Fortunately, I had my own experience along with excellent realtors and lending partners to help us through. That realization in our own lives helped me to see so clearly how personal and emotional the home buying and selling process is - I make it my daily mission to help others navigate the process and get to where they want to be. Since 2004, I have been helping families like yours make the “American Dream” not just a possibility but actual reality. 
My team and I stand on a few non-negotiable values that we ask each client to measure their experience on - should you choose to trust our team with your next home purchase or refinance you can count on:
1. Integrity & Transparency - We will NEVER tell you something that we cannot deliver on or over-promise and under-deliver.
2. Excellent Communication - We are always available for YOU! In our initial conversations we learn HOW you prefer to be communicated with and then we make sure to tailor the experience to your personal needs. You will never be wondering what’s going on with your loan, you will know what’s going on and so will your realtor.
3. Tenacity for Your Success - We are hard workers who ALWAYS find solutions for our clients. You will not ever hear “NO” from us, instead you will hear “HOW.” Our team standard is to provide each family or individual with a customized plan of action for exactly how to reach your goals.
On a personal note, my wife Natalie and I live in Killeen, Texas where we enjoy being part of the local community. We are homeowners here who understand both the benefits and challenges of Central Texas real estate. While I do love to work with clients from all over the US, our focus is on the local community between Waco to Austin and everywhere in between. When not helping people buy houses, we both serve on the Dream Team at our local church ( where we enjoy helping people connect with God and learn more about following Jesus. We have both traveled around the world to spread the gospel to those who have never heard the name of Jesus before known as ‘unreached peoples’.
To move forward, please reach out! Let’s get to know each other over the phone, video chat or a cup of coffee - we look forward to serving you.
Loan Products/Specialties - As a full service mortgage bank there are not any existing residential mortgage products that we do not offer, here is a summary of our main offerings:
* Conventional, FHA, VA, USDA and Jumbo to name only a few loan products
*VA/Military Mortgage Specialists - Lowest fees for active duty or retired military
*Down Payment Assistance - State and local grant options, forgiven 2nd lien options
*Credit Improvement & Creative Home Financing - We specialize in helping you find a way to get into a home with a simple & understandable plan of action
* Investors - Up to 10 loans per borrower (most lenders limit 4)
* Jumbo loans $453K to more than $5M
* Renovation Loans: HomeStyle, FHA 203K, VA Renovation, USDA Renovation, Jumbo Renovation, Pool Escrows
*Repair Escrow Holdbacks: Septic systems, roof repairs, HVAC systems, etc. - We can setup a repair escrow so that your repairs can be completed AFTER closing to help you close on the home you want faster
* One-Time Closing/Single Close Construction Loans
* Construction to Permanent Financing
* Delayed Financing for Homes Purchased with Cash
* Condo & Townhouse Specialists
* Float Down Option for fixed-rate products lowers rate one time if rates drop after you lock
* Tax Return Experts: Self-Employed Borrowers, CEOs, Doctors, Attorneys, Dentists
* Owelty Liens (Divorce Refinance)
Scottie is a strong supporter of USAA, Navy Federal & has tremendous respect for local credit unions across the United States, especially those that specialize in serving our military. Our rates and fees are extremely competitive and we encourage you to give us the opportunity to earn your business even if you are a USAA or other credit union member.


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