Scott Medsger

  • Sr. Loan Officer
  • NMLS: 216820
  • (713) 369-6567
  • (713) 253-3989
  • (713) 369-6532
  • 711 W. Bay Area Blvd., Ste 102
  • Webster, TX 77598
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Welcome to my website

Welcome and thank you for visiting my website!  I look forward to assisting you with your endeavors.  

Whether you are buying a new home, refinancing your existing home or planning to build, there are a lot of variables and considerations in making the right choice.  In reality, this may be the largest debt you will ever create in your lifetime and it is critical that your mortgage is structured in a manner that will enable you to meet all of your financial goals.  With various mortgage products to select from when it comes to customizing your financial needs, it is important to consider all aspects available that may best suit your immediate and long-term financial objectives.  It gives me great satisfaction to provide my clients with a consultation that will dispel any myths and provide viable information in an effort to assist you with important decisions.  Most importantly, I will help you secure the best mortgage possible.  Not only with rates and fees, but also provide you with the highest degree of service possible while keeping your specific needs in mind.  

As a mortgage consultant, I have assisted Texas residents since 1993, and it is imperative that I provide you with a service that exceeds your expectations when it comes to residential lending.  Hometrust Mortgage Company is a Houston-based Corporation, funding nearly $1 Billion in residential mortgage loans each year.  We would like to count you as one of our preferred clients.  Please do not hesitate to call me with questions or to set up an initial consultation.

Mortgage Rates Near 11 Month Lows—What’s Next With the Fed?
Mortgage Rates Near 11 Month Lows—What’s Next With the Fed?
Sep 12 2025   mortgage rates average 30-year fixed post-Labor Day update CPI PPI
Quick Take The average 30-year fixed dipped to new ~11-month lows after the early-September jobs report, then held in a tight range this week. Producer Price Index (PPI) came in cooler than expected; CPI was roughly on-target with a softer... Read More
Why Mortgage Rates Move: What Every Homebuyer Should Know
Why Mortgage Rates Move: What Every Homebuyer Should Know
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Mortgage rates have been making headlines lately—especially after Fed Chair Jerome Powell’s big speech at Jackson Hole. But let’s be honest… most people see the news and think: “So… is now a good time to buy or... Read More
Mortgage Rates Holding Steady… For Now
Mortgage Rates Holding Steady… For Now
Aug 27 2025   mortgage rates average 30-year fixed Powell Jackson Hole Fed rate cut jobs report
After Fed Chair Jerome Powell’s Jackson Hole speech last Friday, mortgage rates dipped to their lowest point since October 2024. Many headlines made it sound like a major shift—but the truth is more subtle, and a lot more important if... Read More
Lower Rates? Don’t Relax Just Yet
Lower Rates? Don’t Relax Just Yet
Aug 20 2025   mortgage rates August 2025 30-year fixed rates Fed interest rate news home buying tips refinance opportunities
Over the past few days, mortgage rates have remained relatively steady—but don’t let the calm fool you. Here's what happened over the past three business days and why this quiet might not last much longer. Monday, August 18th Mortgage... Read More