# Scott Hudspeth — Florida Mortgage Solutions > Scott Hudspeth, VP of Talent Acquisition & Growth at Highland Mortgage (NMLS #1969375), connecting borrowers with DSCR, Bank Statement, Non-QM, Conventional, FHA, VA, USDA, Bridge, and Construction loan specialists across Ocala, Gainesville, Tampa, Orlando, and The Villages. Scott Hudspeth is VP of Talent Acquisition & Growth at Highland Mortgage. He is not individually licensed to originate mortgage loans; every loan is structured and originated by licensed loan officers on the Highland Mortgage team. He responds to every inquiry within 15 minutes and connects real estate investors, self-employed borrowers, retirees, and first-time buyers across Central Florida with the right licensed specialist. Programs include Non-QM solutions (DSCR, Bank Statement, Asset Depletion, Foreign National), government loans (FHA, VA, USDA, VA IRRRL), conventional purchase and refinance, jumbo, reverse, bridge, builder, and construction-to-permanent financing. Contact: 386-333-1721 · scott@scotthudspeth.com · 664 Seminole Ave NE, Suite #101, Atlanta, GA 30307 ## Core Pages - [Home](/): Overview of Scott Hudspeth's mortgage services across Florida - [About Scott](/about-us): Scott Hudspeth's background, role at Highland Mortgage, and 15-minute response guarantee - [Contact](/contact): Direct contact, phone, email, and inquiry form - [Service Areas](/service-areas): Florida cities and counties served - [Join Team](/join): Loan officer recruitment at Highland Mortgage - [Non-QM Guide](/non-qm-guide): Comprehensive guide to Non-QM mortgage products ## Loan Program Hubs - [Conventional Loans](/conventional-loans): Fixed and ARM financing for primary, second home, and investment properties - [FHA Loans](/fha-loans): Low down payment with flexible credit for first-time and moderate-income buyers - [VA Loans](/va-loans): Zero down financing for veterans and active duty service members - [VA IRRRL](/va-irrrl): Streamlined VA interest rate reduction refinance - [DSCR Loans](/dscr-loans): Investor loans qualified on property rental income, not personal tax returns - [Bank Statement Loans](/bank-statement-loans): 12-24 months of deposits in place of W-2s or tax returns - [Asset Based Loans](/asset-based-loans): Qualify using liquid assets instead of employment income - [Rural Development (USDA)](/rural-development): 100% financing zero down for eligible Florida areas - [Construction Loans](/construction): One-time close construction-to-permanent financing - [Home Equity](/home-equity): HELOC and home equity loan options - [Down Payment Assistance](/dpa): DPA programs for qualified Florida buyers - [Asset Depletion](/asset-depletion): Income calculated from depletion of liquid assets - [Foreign National](/foreign-national): Mortgage financing for non-US citizens investing in Florida - [Bridge Loan](/bridge-loan): Short-term financing to bridge sale of existing home - [Builder Financing](/builder-financing): Loan programs for Florida home builders ## Purchase Programs - [Conventional Purchase](/conventional-purchase): Standard purchase financing - [FHA Purchase](/fha-purchase): FHA-insured purchase loans - [VA Purchase](/va-purchase): VA-backed home purchase - [USDA Purchase](/usda-purchase): USDA rural purchase financing - [DSCR Purchase](/dscr-purchase): Investor purchase via rental income qualification - [Jumbo Purchase](/jumbo-purchase): Loans above conforming limits - [No Income Purchase](/no-income-purchase): No-income-verification purchase programs - [Reverse Purchase](/reverse-purchase): HECM for purchase for buyers 62+ - [203k Purchase](/203k-purchase): FHA 203(k) renovation purchase - [Homestyle Purchase](/homestyle-purchase): Fannie Mae HomeStyle renovation purchase ## Refinance Programs - [Conventional Refinance](/conventional-refinance): Rate/term and cash-out conventional - [FHA Refinance](/fha-refinance): FHA streamline and cash-out refinance - [VA Refinance](/va-refinance): VA cash-out refinance - [USDA Refinance](/usda-refinance): USDA streamline refinance - [DSCR Refinance](/dscr-refinance): Investor cash-out and rate/term using DSCR - [Jumbo Refinance](/jumbo-refinance): Jumbo refinance options - [Bank Statement Refinance](/bank-statement-refinance): Self-employed refinance via bank statements - [Reverse Refinance](/reverse-refinance): HECM refinance for homeowners 62+ - [203k Refinance](/203k-refinance): FHA 203(k) renovation refinance - [Homestyle Refinance](/homestyle-refinance): HomeStyle renovation refinance ## City Hubs - [Ocala Mortgage](/ocala-mortgage): Equestrian properties, rural wealth, land financing in Marion County - [Gainesville Mortgage](/gainesville-mortgage): Student rentals and first-time buyers in Alachua County - [Tampa Mortgage](/tampa-mortgage): Fast-moving Tampa Bay market, investor scaling - [Orlando Mortgage](/orlando-mortgage): Short-term rentals, tourism, international buyers - [The Villages Mortgage](/the-villages-mortgage): Retiree financing, fixed-income qualification, asset-based lending - [Ocala Non-QM](/ocala-non-qm): Non-QM specialty programs in Ocala - [Ocala DSCR](/ocala-dscr): DSCR investor loans in Ocala/Marion County ## Ocala Programs - [Ocala Conventional](/ocala/conventional-loans) - [Ocala FHA](/ocala/fha-loans) - [Ocala VA](/ocala/va-loans) - [Ocala VA IRRRL](/ocala/va-irrrl) - [Ocala DSCR](/ocala/dscr-loans) - [Ocala Bank Statement](/ocala/bank-statement-loans) - [Ocala Asset Based](/ocala/asset-based-loans) - [Ocala Rural Development](/ocala/rural-development) ## Gainesville Programs - [Gainesville Conventional](/gainesville/conventional-loans) - [Gainesville FHA](/gainesville/fha-loans) - [Gainesville VA](/gainesville/va-loans) - [Gainesville VA IRRRL](/gainesville/va-irrrl) - [Gainesville DSCR](/gainesville/dscr-loans) - [Gainesville Bank Statement](/gainesville/bank-statement-loans) - [Gainesville Asset Based](/gainesville/asset-based-loans) - [Gainesville Rural Development](/gainesville/rural-development) ## Tampa Programs - [Tampa Conventional](/tampa/conventional-loans) - [Tampa FHA](/tampa/fha-loans) - [Tampa VA](/tampa/va-loans) - [Tampa VA IRRRL](/tampa/va-irrrl) - [Tampa DSCR](/tampa/dscr-loans) - [Tampa Bank Statement](/tampa/bank-statement-loans) - [Tampa Asset Based](/tampa/asset-based-loans) - [Tampa Rural Development](/tampa/rural-development) ## Orlando Programs - [Orlando Conventional](/orlando/conventional-loans) - [Orlando FHA](/orlando/fha-loans) - [Orlando VA](/orlando/va-loans) - [Orlando VA IRRRL](/orlando/va-irrrl) - [Orlando DSCR](/orlando/dscr-loans) - [Orlando Bank Statement](/orlando/bank-statement-loans) - [Orlando Asset Based](/orlando/asset-based-loans) - [Orlando Rural Development](/orlando/rural-development) ## The Villages Programs - [The Villages Conventional](/the-villages/conventional-loans) - [The Villages FHA](/the-villages/fha-loans) - [The Villages VA](/the-villages/va-loans) - [The Villages VA IRRRL](/the-villages/va-irrrl) - [The Villages DSCR](/the-villages/dscr-loans) - [The Villages Bank Statement](/the-villages/bank-statement-loans) - [The Villages Asset Based](/the-villages/asset-based-loans) - [The Villages Rural Development](/the-villages/rural-development) ## Blog - [Blog Index](/blog): Mortgage education, market analysis, and program deep dives - [Horse Property Financing in Ocala](/blog/horse-property-financing-ocala-what-lenders-miss) - [Why Investors Are Ditching Conventional for DSCR](/blog/dscr-loans-why-investors-ditching-conventional) - [Bank Statement Loans: The Self-Employed Secret Weapon](/blog/bank-statement-loans-self-employed-secret-weapon) - [Close More Deals with No-Income-Verification Loans](/blog/close-more-deals-no-income-verification-loans) - [Asset Depletion Loans for High-Net-Worth Clients](/blog/asset-depletion-loans-high-net-worth-clients) - [Foreign National Lending: The Untapped Market](/blog/foreign-national-lending-untapped-market) - [Bridge Loans vs Fix-and-Flip](/blog/bridge-loans-vs-fix-and-flip) - [Why Non-QM Is the Future of Mortgage Lending](/blog/why-non-qm-future-mortgage-lending) - [DSCR vs Conventional: Side-by-Side Comparison](/blog/dscr-vs-conventional-side-by-side-comparison) ## Mortgage Questions Answered (Q&A) - [All Answers](/answers): Direct answers to Florida mortgage questions from Scott Hudspeth - [Can I get a DSCR loan in Ocala with 15% down?](/answers/dscr-loan-ocala-15-percent-down) - [What credit score do I need for a bank statement loan in Florida?](/answers/bank-statement-loan-credit-score-florida) - [How does Florida homestead exemption affect my VA loan?](/answers/florida-homestead-exemption-va-loan) - [Can I buy a horse property in Marion County with conventional financing?](/answers/horse-property-marion-county-conventional-financing) - [DSCR vs conventional for a Tampa short-term rental — which qualifies me for more?](/answers/dscr-vs-conventional-tampa-str) - [What credit score do I need for a DSCR loan in Florida?](/answers/dscr-credit-score-florida) ## Optional - [Resources](/resources): Calculators, guides, and downloadable references - [Privacy Policy](/privacy-policy) - [Terms and Conditions](/terms-and-conditions)