Your Dream Home,
Our Dream Team

Scott Taylor

Branch Manager

Loan Originator
NMLS#: 1083832

Your Home Loan Partner

I’ve been helping homeowners navigate the real estate and mortgage world since 2013, and I love what I do. As a member of the Little Rock Realtors Association and SCARA, I stay plugged into the industry so I can offer the best advice and solutions to my clients.

When I’m not working, you’ll probably find me enjoying my hobbies on the pickleball or tennis court, at the gym, or spending time with my family and kids. And just like I believe every home loan should be a perfect fit, I like to keep my car looking spotless too—because details matter! My family and I are local to Little Rock but I am available to assist you anywhere in Arkansas or Texas! I’m passionate about helping people in my community reach their homeownership goals. If you’re ready to further your homeownership journey and meet your goals, lets connect!

About Mortgage Financial Services

At Mortgage Financial Services, we make it our mission to provide the best mortgage services available to our clients. Our experienced team of loan officers are committed to finding the right loan program for each customer. We understand that everyone has different financial circumstances and goals, and we strive to help our customers get the most out of their home purchase or refinance.

We offer a wide variety of mortgage solutions, including:

  • Conventional loans
  • FHA loans
  • VA loans
  • USDA loans
  • Jumbo loans
  • Refinancing options
  • Conventional loans
  • FHA loans
  • VA loans
  • USDA loans
  • Jumbo loans
  • Refinancing options

Why Choose Mortgage Financial Services?

Local Expertise

With our deep knowledge and understanding of the Memphis housing market, we can offer you insights and guidance specific to your local area. Our team of experienced professionals is well-versed in the intricacies of the Memphis real estate market, ensuring that you receive the most relevant and up-to-date information.

Wide Range of Mortgage Options

Whether you are a first-time homebuyer, looking to refinance, or seeking a jumbo loan, we have a wide range of mortgage options to suit your needs. Our team will work closely with you to explore different loan programs and find the best solution that fits your financial goals.

Competitive Rates

We understand that the interest rate plays a crucial role in your mortgage decision. As a trusted mortgage company in Memphis, TN, we strive to offer competitive rates that help you save money over the life of your loan. Our team will diligently search for the best rates available in the market and present you with options that fit your budget.

Personalized Service

At Mortgage Financial Services, we believe in building strong relationships with our clients. We take the time to understand your unique circumstances and financial goals, allowing us to provide personalized solutions tailored to your needs. Our dedicated team will guide you through every step of the mortgage process, ensuring a smooth and stress-free experience.

Quick and Efficient Process

We understand that time is of the essence when it comes to securing a mortgage. Our streamlined process and efficient operations ensure that your mortgage application is processed promptly. We are committed to providing timely updates and transparent communication throughout the entire process.

Contact Mortgage Financial Services Today!

If you are looking for a reliable and trusted mortgage company in Memphis, TN, look no further than Mortgage Financial Services. Our team of experts is ready to assist you in achieving your homeownership dreams. Contact us today to schedule a consultation and take the first step towards finding the perfect mortgage solution for you.

Mortgage FAQs

To qualify for a mortgage, lenders typically look at factors such as your credit score, income, employment history, and debt-to-income ratio. They want to ensure that you have the financial means to repay the loan.

A fixed-rate mortgage has an interest rate that remains the same throughout the life of the loan, providing stable monthly payments. An adjustable-rate mortgage (ARM) has an interest rate that can change over time, usually after an initial fixed-rate period. This means that your monthly payments could increase or decrease depending on market conditions.

The amount you need for a down payment can vary depending on the lender and the type of mortgage. Generally, a down payment of 20% of the purchase price is recommended to avoid private mortgage insurance (PMI). However, there are options available for lower down payments, such as FHA loans that require as little as 3.5% down. VA loans as well as USDA loans require no down payments. MFS also has down payment assistance (DPA) programs available upon eligibility.

Private mortgage insurance (PMI) is a type of insurance that protects the lender in case the borrower defaults on the loan. It is typically required for borrowers who make a down payment of less than 20%. PMI is an additional cost that is added to your monthly mortgage payment.

A pre-approval is a process where a lender evaluates your financial information and credit history to determine how much they are willing to lend you. It gives you a better idea of your budget when shopping for a home and can make you a more attractive buyer to sellers.

The timeline for getting a mortgage can vary depending on factors such as the lender, your financial situation, and the complexity of the loan. On average, it can take anywhere from 30 to 45 days from application to closing. However, it’s important to start the process early and be prepared for potential delays.

A mortgage escrow account is an account set up by the lender to hold funds for property taxes and homeowners insurance. Each month, a portion of your mortgage payment goes into the escrow account, and when these bills are due, the lender pays them on your behalf.

Proudly serving Little Rock, AK and TX

I’m here to answer any questions you might have about our products and services. Feel free to contact me using any of the following methods:

Business Hours:

Monday – Friday: 9AM – 5PM

Saturday-Sunday: Closed

Scott Taylor

NMLS#: 1083832
p. (501) 529-9061

Get In Touch

Client Reviews

  • J

    Jennifer Ballheimer

    Posted On: 2025-03-31

    Rating: 5.0

    for: Scott Taylor

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    Review: Scott and Tonya are the best in the business!!

    Reply: Thank you, Jennifer, for your kind words. I'm thrilled to hear that you had such a positive experience with both Tonya and me. We strive to provide the best service possible, and your feedback is greatly appreciated.

  • R

    Randall

    Austin, AR

    Posted On: 2025-03-29

    Rating: 5.0

    for: Scott Taylor

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    Review: Scott and Tonya are the best in the business. I have used them twice now and will not use any other financial place. It is really that simple.

    Reply: Thank you, Randall, for your kind words and continued trust in our services. I'm thrilled to hear that you had such positive experiences with both Tonya and me. We're committed to providing exceptional service, and it's rewarding to know we met your expectations. Looking forward to assisting you in the future.

  • R

    Randall Haug

    Posted On: 2025-03-30

    Rating: 5.0

    for: Scott Taylor

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    Review: Scott and Tonya are ROCKSTARS. Their skills when it comes to attention to detail and execution, on even the tiniest details are unparalleled. If you want something done right, choose Scott and his team. You will NOT be let down.

    Reply: I'm thrilled to hear that you had such a positive experience with our team. It's wonderful to know that our attention to detail and execution met your expectations. Thank you for your kind words and recommendation.

  • R

    Randall Haug

    Austin, AR

    Posted On: 2025-04-01

    Rating: 5.0

    for: Scott Taylor

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    Review: Outstanding and extremely professional. If you want a dedicated team and a Branch Manager that cares like it is his own mortgage choose Scott Taylor. You will not be let down. That is a fact. His assistant, Tonya, is as good as they come. This is my second time using MFS and I will not go another route. It’s really that simple.

  • K

    Katlyn

    Austin, AR

    Posted On: 2025-04-01

    Rating: 5.0

    for: Scott Taylor

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    Review: Scott (and his assistant Tonya) did a wonderful job of providing guidance and were very quick to answer any questions throughout the process! He worked hard to advocate for us throughout the process and close on time!

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