First Responders | Law Enforcement | Teachers| Military | Firefighters | Health Care

Laurie Lawton Scott

Branch Manager | NMLS# 203321
(C) 602-329-2950
[email protected]

Laurie is an Arizona native that lives and serves her local community with the homebuying process. She opened her lending office in Prescott in 2006.  “I am honored to serve and support our countries veterans, active military, public safety and those that live within our community.  While we have state of the art technology to streamline the process, it is my honor to try and meet personally with every single family we assist.”

By partnering with other local industry leaders in the real estate market, it is her and her teams’ goal to ensure residents can obtain housing in the very community they work within.  She is well known for her volunteer work, paying it forward within her community and state to help those in need.

“It is an honor to work at an award-winning company that is locally owned, embraces our local culture, and values the families within our community.”  We exist to improve the lives we touch!  Laurie is married to a former SOC (SEAL) USN Ret and Retired Law enforcement officer.  While she serves AZ, CA & CO, they call Arizona home. They share an amazing family of seven children, one of whom is active with the USMC, one on his way to the Fire Department, and two more on their way to enlistment!


We are proud to serve our Armed Forces!


If you’re a veteran or active-duty military member, you have access to VA home loans. This loan, which is guaranteed by the US Department of Veteran Affairs, has allowed many Veterans and servicemen and women the opportunity to have a home of their own.

VA loans carry a wealth of advantages over other types of home loans, making them an ideal choice for anyone who qualifies.  This team has a soft spot for those men and women who served, ask your team about special financing offers exclusively offered by Nations Lending Corporation!


Your Service is your Down Payment!

Calling all heros!

It is necessary to recognize and appreciate the hard work of all those who strive to make a positive impact in our local communities.  These everyday heroes sacrifice their time and energy to ensure the safety, health, education and growth of our great state.  Please ask your team about our Hero program and let us thank you for your service! First Responders, Law Enforcement, Teachers, Military, Firefighters, and Health Care.


Everyone at Nations Lending was great and efficient. Laurie was able to get done what another lender couldn't. Kristian was great and took the time to answer my questions whenever I called. Everyone at Nations Lending was outstanding.

Dawn S AshFork, AZ

Laurie and her team are always great to work with! Excellent communication and they never give up on helping you "get it done" by laying out a step-by-step process on what needs to happen to make the process successful. This is my 4th loan working through Laurie and I am sure there will be more to come. Thank you!

Daniel C B TontoBasin, AZ

Laurie and her team are amazing: the level of service, professionalism, communication, and caring kindness are above and beyond the best!!


The amount of effort and dedication they put into helping us achieve our dream was above any expectations we had in the beginning. They really DO care!

Wesley A MDewey, AZ

A Veteran Story

Reverse done right™

A common took to alleviate payments and/or debt is through the use of a Home Equity Conversion Mortgage (HECM).  This amazing tool can also be utilized for purchasing your retirement home. Let us show you how home equity solutions from Nations Lending Corporation may help you build a better future and achieve financial independence.

Is it time to start that well-deserved retirement?


Consumer Protection is at the Heart of all We Do –

Going through a divorce is unsettling at best.  It is imperative to work with a team that has earned the designation of RCS-D ™ – By using a trained team of mortgage professionals and industry leaders, there is the right way to work with family lawyers, mediators, and accountants/financial professionals BEFORE divorce mediation | trial | collaborative practice to prevent financial and legal mistakes with the house that ruin families, finances, and futures.

My team is highly recommended by clientele and family law specialist, ask how we can help –

Laurie Lawton Scott

Real Estate Collaborations Specialist – Divorce ™

Down Payment Assistance:

If you’re thinking about buying a house and have never bought one before, you might be wondering how much money you need to buy a home. Most prospective homeowners understand that there is a bit of an initial investment, but are completely unaware of how much cash is needed to buy a house. Of course they know they need to have cash on hand for a down payment in most circumstances, but there is more required than just the down payment when it comes to buying a home. So how much money will you really need? Here are the primary up front costs associated with buying a home:

Down Payment Funding/Fees:

Most types of home loans require a minimum down payment of 3.5% of the purchase price on a home unless you’re doing USDA or VA financing. Even then the benefits of utilizing a down payment assistance program can help. With so many options available let us help guide you through the process.
Arizona Home Plus mortgage program has been updated to offer a greater variety of opportunities to Arizona home buyers who need down payment assistance. These expanded options include different down payment amounts, higher maximum loan amounts and income limits, different loan programs and different qualifying criteria.

The Arizona Home Plus home loan program is popular because the funds have been consistently available over the past few years. As such, many people in Arizona have been able to achieve the pride, stability, freedom and wealth that accompanies home ownership. The assistance program is structured as a three-year, no interest, no payment, soft second mortgage, forgiven monthly at a rate of 1/36 over the term of the lien. Once again, the lien is completely forgiven after you stay in the home for three years without refinancing. This type of lien is sometimes referred to as a silent second mortgage because you do not have to pay interest or make payments. Money from the Home Plus assistance is combined with government-sponsored mortgage programs and can be used for down payment and/or closing costs equal to as much as 5% of the mortgage loan. The path to homeownership starts here!


Laurie's Recognitions



• The Care Fund
• Americas Mighty Warriors
• Bethany’s Gait Ranch & Lisa’s Legacy
• Hope Fest
• Wounded Warrior Project
• Navy Seal Foundation
• Boulder Crest Foundation
• Breast Cancer Foundation


• Top 1% Originators in America, Scotsman Guide
• Top Women Originators in America, Scotsman Guide
• Top 1% - Top Performers –
• Outstanding Service & Achievement Award - Homes for Heroes
• Special Service Recognition - 100 Club of Arizona


• VAREP – Veterans Association of Real Estate Professionals
• Certified Military Specialist

Why Nations Lending?

We exceed client expectations with superior knowledge of the loan process and will assess the best option for you. Honesty and integrity are foundational pieces of our business. We treat our clients like family, providing insight and advice often absent in the business of buying and selling homes.

Attention to Detail

Rather than wanting to just get your business, we want to learn about our clients. Everything from understanding your needs, to what lifestyle suits you, to how you like to communicate is in our interest. This helps us create an attentive home-buying experience for you and your family.


With a team of the most experienced lenders in the market, there is no area that we cannot help you with. We will guide you and explain every step of the process from starting your application to closing your home loan. By the end of the journey, you will be the expert!

See what people are saying about us:

Laurie is a proud supporter of HELP - who's mission is to change the cycle of homelessness through our children, provide immediate aid and comfort, promote awareness, and advance education for those who have found themselves in some form of homelessness.

Loan Types



FHA loans are designed with the first-time home buyer in mind. It allows for little money down, lower closing costs, and an easy-to-meet credit score requirement.
It makes for the perfect type of loan to meet the needs of buyers from all walks of life.

FHA Loans Offer:
• Minimum down payment of only 3.5%
• Credit score as low as 500*
• Flexible debt-to-income ratios
• 100% of down payment and closing costs can be a gift
• Flexible reserve requirements
• Up to 6% seller contributions towards closing costs and pre-paid items

We Offer:
• Purchase loans
• Rate-term refinancing
• Cash-out refinancing
• Streamline refinance
• 203(h) - Mortgage Insurance for Disaster Victims


1st Time Buyer


We help everyone with their housing goals, including the all important First-time homebuyer. Highlights and benefits for these first-timers are riddled throughout our product array, and they include:
We offer:
• Low down payment options
• Eligible sources of funds include gift funds from eligible sources
• DPA assistance that may be available in your local markets
• Zero down payment options for VA and USDA buyers
• Reduced Mortgage Insurance requirements for certain programs
• FICO scores as low as 500 on certain products

1st Time Buyers



We are an approved Fannie Mae and Freddie Mac seller and offer the best fixed and adjustable-rate loans for your home buying needs. As long as you meet the minimum requirements with down payment and credit score, we can help you secure the home of your dreams today!
We offer:
• Purchase loans
• Rate-term refinancing
• Cash-out refinancing




Our jumbo loans are a solution for borrowers who want to go big with the dream of primary homeownership, as well as securing a 2nd or vacation home.
This jumbo loan product also supports a lower-than-industry average required down payment -perfect for those buyers who want to keep more cash in the bank – with all the benefits exceeding those of a conforming loan.

We Offer:
• Purchase, no cash-out refinance and cash-out refinance
• All occupancy types
• Loans to $2M
• Jumbo AUS
• Non-Warrantable Condos
• No Mortgage Insurance
• First-time homebuyers permitted
• Blended ratios




VA home loans are offered to our country’s bravest men and women. No one knows the comfort of their home more than those who served and that’s why we’re proud to offer loans to our nation’s heroes.
Find the perfect place to kick off your boots with 100% financing available or explore interest rate reductions or cash out refinance options.

We Offer:
• Purchase loan
• Cash-out refinancing
• Interest Rate Reduction Refinance Loan (IRRRL)




Get a home loan with up to 100% financing
Whether you are an experienced or a first-time homebuyer, you may be able to qualify for a USDA home loan with no money down! These government backed loans are perfect for families and individuals interested in purchasing homes in rural communities. Ask your personal mortgage advisor if this is the right loan for you!

We Offer:
• Purchase
• No cash-out refinance
• Streamline Refinance
• Simple Refinance


BRANCH NMLS. 2119706 | 14350 N 87TH ST, SUITE 105 SCOTTSDALE, AZ 85260 | 888-593-1948