VA specialists by reputation. Full-service lenders by design. Whether you're a first-time buyer, a veteran using your benefit, or an investor building a portfolio — we have the loan and the expertise to close it.
VA LoansFHAConventionalUSDAJumboInvestmentRenovationNon-QM
We're a full-service mortgage broker powered by NEXA Lending — the largest mortgage broker in the country. That means we shop your loan across dozens of lenders to find the best rate and terms, regardless of loan type.
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VA Loans
Our Specialty · Military Families
Zero down payment, no PMI, competitive rates, and a team that understands the VA guidelines from personal experience. PCS moves, prior VA use, BAH coverage, COE — we handle every detail.
★ Our Specialty
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FHA Loans
Low Down · Flexible Credit
3.5% down payment with more flexible credit guidelines. Great for first-time buyers building credit history or those who want to preserve cash while getting into a home.
3.5% Down
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Conventional Loans
Flexible · No Upfront Fee
Down payments from 3–20% with no funding fee. Strong credit profiles can often get outstanding rates. We run the numbers against VA and FHA so you always know you're in the right loan.
From 3% Down
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USDA Loans
Rural & Suburban · Zero Down
Zero down payment for eligible rural and suburban properties. Enterprise and the Wiregrass region have significant USDA-eligible areas. If you're not sure you qualify, let's check — you might be surprised.
/bin/sh Down
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Jumbo Loans
High-Value Properties
Loan amounts above conforming limits for higher-value properties. We work with multiple jumbo lenders to find competitive rates on the homes that standard loan limits don't cover.
Above Conforming Limits
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Renovation Loans
Buy & Improve · One Loan
Finance the purchase and renovation of a property in a single loan. FHA 203k and conventional renovation products let you turn a fixer into your dream home without juggling two loans.
FHA 203k · HomeStyle
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Investment Property
Build Your Portfolio
DSCR loans, conventional investment products, and portfolio options for buyers building rental income. We help military families do what Scott did — use real estate as a wealth-building tool.
DSCR · Conventional
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Non-QM & Bank Statement
Self-Employed · Complex Income
W-2 doesn't tell your whole story? Bank statement loans, asset-depletion programs, and non-traditional income documentation options for business owners, contractors, and self-employed borrowers.
Self-Employed Friendly
Why Flight Mortgage Team
The Broker Advantage. Every Time.
As a mortgage broker powered by NEXA Lending, we're not locked into one lender's rates. We shop your loan across the market — which means you get the best product for your situation, not the best product on one bank's shelf.
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We Shop Dozens of Lenders
Access to wholesale rates from dozens of lenders on every loan type. You get the best rate available on the market — not just what one institution offers.
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Fast Pre-Approvals
We move at military speed. Pre-approvals issued fast, friction points identified upfront, and nothing surprises you days before closing.
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Responsive. Always.
Text, call, or email — you get a real response from a real person. Not a chatbot. Not a call center. Scott and his team, every time.
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All 50 States
Based in Enterprise, AL and serving military families wherever orders take them. The Flight Mortgage Team operates nationwide through NEXA Lending.
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Transparent. Always.
You see the numbers before you sign anything. Rate, fees, closing costs — nothing hidden, nothing buried in fine print. We run it side by side until you're completely comfortable.
By the Numbers
46
Five-Star Google Reviews
All five stars. Real military families describing the actual experience — not generic praise.
Top 5
VA LO at NEXA Lending
Two consecutive years among the top 5 VA loan officers at the largest mortgage broker in the country — 3,500+ LOs nationwide.
50
States — Coming Soon
Building licensed coverage nationwide through NEXA Lending. Wherever your buyers are going, we're getting ready to close.
The Team
Built By People Who Understand the Mission.
Flight Mortgage Team is built around one idea — people who understand discipline, service, and getting the job done are the best people to guide families through the biggest financial decision of their lives. We're not all veterans, but the team is deeply connected to the military community we serve, and we bring that same standard and commitment to every file we touch.
Connected
Deeply rooted in the military community we serve
46
Five-star Google reviews from real borrowers
50
States — licensing coverage coming soon
Scott Jeffreys
Team Lead · NMLS #2312911
Military Background
Army Captain · UH-60 Black Hawk Pilot Multiple PCS moves · Fort Rucker Market
Track Record
Top 5 VA LO at NEXA · 2 Years Running 46 reviews · All five stars ★★★★★
Why Mortgages
Used the VA loan benefit across multiple PCS moves to build a real estate portfolio while still on active duty. Went directly from the Army into VA loan origination — not from banking, from service.
Scott Jeffreys is a former U.S. Army Captain and UH-60 Black Hawk pilot who leads the Flight Mortgage Team, a veteran-founded lending team built to serve military families through the VA Home Loan program. Scott's path into mortgages started with his own experience as a service member — using the VA loan benefit across multiple PCS moves to build a real estate portfolio while still on active duty.
That firsthand experience shapes how Scott approaches every client: with a direct understanding of military moves, deployments, and the unique timelines that come with service life. He has been recognized as a Top 5 VA Loan Officer at NEXA Lending two years running, and carries a five-star reputation built on more than 46 client reviews.
Based in Enterprise, Alabama near Fort Rucker, Scott leads a growing team of veteran loan officers, all working toward the same goal: helping military families use the benefits they've earned to confidently achieve homeownership.
Tyler Straits
Loan Officer · NMLS #2787929
Military Background
Army Major · UH-60 Black Hawk Pilot 11 Years of Service
Education
MBA, University of Florida
Family
Husband · Father of Four · Fellow Veteran
Why Mortgages
Specializes in helping veterans, active duty service members, and military families use their VA Home Loan benefit — with expert guidance, clear communication, and an honest assessment of their options from pre-approval to closing.
Tyler Straits is a former U.S. Army Major and Black Hawk helicopter pilot who proudly served for 11 years before transitioning into the mortgage industry. With an MBA from the University of Florida and firsthand experience navigating military life, Tyler specializes in helping veterans, active duty service members, and military families achieve homeownership through the VA Home Loan program.
Tyler understands that buying a home is one of the most significant financial decisions a family will make. His mission is to ensure every client receives expert guidance, clear communication, and an honest assessment of their options throughout the lending process. He is passionate about educating borrowers on their VA loan benefits, identifying solutions to complex financing scenarios, and delivering a seamless experience from pre-approval to closing.
As a husband, father of four, and fellow veteran, Tyler is committed to serving those who have served with the same integrity, dedication, and professionalism that defined his military career. His goal is simple: to help military families confidently achieve homeownership while maximizing the benefits they have earned through their service.
Built Different. On Purpose.
Flight Mortgage Team wasn't built by bankers who stumbled into the military market. It was built by people who went from service and PCS moves directly into mortgage origination — because they had seen firsthand how poorly most lenders served military families when it mattered most.
Not every member of this team wore a uniform — but every member is deeply connected to the military community we serve, whether through family, prior service, or years spent working alongside it. Our team lead used the VA loan benefit personally across multiple PCS moves and knows BAH coverage, entitlement, COE, and PCS timelines from navigating them firsthand. When we say the VA loan is the most powerful financial tool available to military families, that's not theory — it's lived experience passed through the whole team.
And for the clients who aren't military — the same standard applies. Competitive rates, transparent numbers, proactive communication, and a team that treats every file like the only file. That's not a pitch. That's how we were trained to operate.
★★★★★
"Scott walked us through every step of our PCS move. He knew the VA process cold and had our pre-approval done faster than anyone else we talked to."
Verified Military Buyer · Google Review
★★★★★
"Former military himself — he actually understands what PCS stress feels like. We closed on time, no surprises. Would not use anyone else."
Real Estate Professional Partnerships · Enterprise & Fort Rucker
The Wiregrass's Go-To Lending Team.
We're building strong relationships with the best real estate professionals in Enterprise and the Fort Rucker market. If you work with military buyers — or any buyers — we should be talking.
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We Close. On Time.
Every file gets proactive status updates. Your clients' closing dates are treated like mission objectives — we don't miss them.
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You Can Actually Reach Us
Text, call, or email. You get a real response. Military buyers have tight timelines and zero patience for a lender who goes dark — and neither do we.
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VA Expertise Nobody Else Has Here
Entitlement, BAH coverage, COE, prior VA use — handled upfront. No surprises two days before closing because we caught every issue at application.
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We Follow Your Clients Wherever They Go
When your military client gets orders and leaves Enterprise, we go with them nationwide. Refer them to Flight Mortgage wherever they land and we'll take care of them.
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Co-Marketing & Partnership Opportunities
Co-branded content, open house support, social media collaboration — we invest in the real estate professionals we work with. This is a real partnership, not just a referral.
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Full Loan Menu for Every Buyer
VA, FHA, Conventional, USDA, Jumbo, Investment — we handle every buyer you send us, not just VA-eligible clients. One lending relationship covers your entire business.
Let's Connect
Have a client who needs a pre-approval today or want to talk partnership? Scott will reach out personally.
