At the Dana Alys Scott with Trust Mortgage Team,
we focus on three things when working with clients:

Providing Open and Honest Communication

There should be no surprises during the loan process. We provide transparency in the lending process and ensure that borrowers (and their real estate agents) know what is going on at every stage. market.

Educating Borrowers

If borrowers understand their options, they can make better decisions. We take the time to educate borrowers about the loan process generally and their specific situation.

Focusing on Solutions

There can be hurdles in the loan process, but if we don’t succeed, our clients do not get the home they want. That is why we get to know our client’s full financial situation. We use that information to understand their full range of options and provide them with the best solution for them.

Meet the Team

Dana Alys Scott with Trust Mortgage - Favicon

Dana Alys Scott

Founder | Trust Mortgage
With 25 years of experience in the mortgage industry, I have worked in nearly every aspect of the business—from operations and loan processing to marketing and sales. Four years ago, after relocating to Pennsylvania, I founded Trust Mortgage with the goal of providing personalized, transparent, and efficient mortgage solutions. I know firsthand how overwhelming buying a home can feel or how frustrating the refinance process can become. That’s why I am committed to educating borrowers, simplifying the mortgage process, and finding the best solutions for each unique financial situation. As a mortgage broker, I firmly believe that borrowers deserve access to the best pricing, technology, and support systems available. Whether you’re purchasing your first home, refinancing, or looking for strategic mortgage options, I am here to guide you every step of the way.
Let’s make home financing easier—together.

Direct: 570-630-2942
Cell: 845-857-4796
Email Dana

Aryn Famiglietti

Loan Processor
Aryn is the owner of QC2 processing with over 20 years experience in the mortgage industry. Quality and Care are the main values of QC2 Loan Processing. With a deep commitment to personalized service, Aryn has built a reputation for offering expert loan solutions tailored to each client’s unique needs. At QC2 Processing, the focus is always on fostering trust, providing detailed guidance, and delivering results with integrity.

What are you waiting for?

Getting started is easy!

Loan Programs

We can help you make a purchase, lower your payment, take cash out, or consolidate debt.

FHA Loans

VA Loans

Conventional Loans

DPA Loans

Jumbo Home Loans

Non-QM Loans

Your top mortgage questions, answered

Yes—getting pre-approved is a very important first step in the homebuying process. It helps you understand what you can comfortably afford. A lender doesn’t just look at the loan amount—they also factor in property taxes, homeowner’s insurance, and any applicable HOA dues when determining your full monthly payment.

Pre-approval also strengthens your offer. Sellers want to know you’re a serious buyer who won’t back out of a contract due to financing issues. During this process, your lender will review your income and asset documentation, which helps avoid any surprises later on. Income can be calculated in several ways depending on loan guidelines—so it’s better to have that clarity upfront.

Mortgage rates change daily—and sometimes multiple times a day! If you’re going with a fixed-rate loan, you can “lock in” a rate to secure it for the life of the loan. It's a good idea to check rates before you start house hunting to make sure the payments align with your budget and there are no surprises later.

Your DTI is how lenders measure your ability to repay the loan based on your income versus monthly debt obligations. This includes your projected mortgage payment (principal, interest, taxes, insurance, and any mortgage insurance), plus your other monthly debts—such as credit cards, car loans, student loans, child support, alimony, 401k loans, and payments on any additional properties you own.

Understanding your DTI helps ensure your loan meets program guidelines and sets you up for long-term success.

The credit score needed depends on the type of loan you’re applying for. Conventional loans typically require a minimum score of 620. FHA loans offer more flexibility—allowing for scores as low as 580 with 3.5% down, or even 550 if you have 10% down.

Before starting the mortgage process, it’s a good idea to review your credit. You can obtain a free copy of your report once a year at AnnualCreditReport.com. Be sure to pay bills on time, keep balances low, and avoid opening new credit accounts just before applying for a mortgage.

If you're putting less than 20% down on a conventional loan, you'll likely be required to pay Private Mortgage Insurance (PMI). This protects the lender in case of default. The good news? You can request to remove PMI once your loan-to-value (LTV) drops below 80%, or it will automatically drop off after a certain number of years.

For FHA loans, the insurance is called a Mortgage Insurance Premium (MIP). This works similarly but cannot be removed unless you refinance out of the FHA loan or pay it off completely.

Owning a home means you're building equity for yourself—not paying someone else’s mortgage. Rent can increase with little notice and offers no long-term financial return. With homeownership, you're investing in something that can grow in value over time, helping you build wealth and stability.

There are also potential tax benefits, like the ability to deduct mortgage interest (be sure to consult with your tax advisor for details). Owning a home is often one of the biggest and most rewarding investments you’ll make in your lifetime—and I’d be honored to help guide you on that journey.

What our clients are saying

  • My experience with Dana and Aryn Was so much more than pleasant, It’s hard to explain. They went above and beyond for my children and I to find a home.... read more

    Crystal Drake Avatar Crystal Drake

    Dana and Aryn have been truly great to work with. The entire experience has been phenomenal, from the first phone call to closing day. Over the entirety of this experience I... read more

    Matt R Avatar Matt R

    Dana is amazing helpful. She’s very knowledgeable and capable and goes above and beyond to help in whatever way she can. It was such a pleasure working with her!

    Urmilla B Avatar Urmilla B

    Special thanks to Dana for handling the mortgaging needs to my first home. Her and My Realtor has made this an enjoyable experience for me and my family. From going into contract... read more

    LEO Avatar LEO
  • Special thanks to Dana for handling the mortgaging needs to my first home. Her and My Realtor has made this an enjoyable experience for me and my family. From... read more

    LEO Avatar LEO

    Dana and Aryn of Trust Mortgage walked us through every step. They were efficient, clear, and wonderfully supportive during the whole process. I would 100% work with them.

    Mayra Bracer Avatar Mayra Bracer

    Dana and Aryn were phenomenal to work with. Communicated through you the process and were always checking in. Best part of the home buying process us!

    Joshua Tanner Avatar Joshua Tanner

    Dana was amazing in almost always being immediately availabe although I am in the Pacific Time Zone and she in Eastern. Her deliverables were always in order, accompanied by... read more

    Zev Nadler Avatar Zev Nadler
  • Dana is a wonderful person with extensive knowledge. She provided patient support throughout the entire process. I highly recommend her.

    Balaji Sundaresan Avatar Balaji Sundaresan

    Dana was amazing in almost always being immediately availabe although I am in the Pacific Time Zone and she in Eastern. Her deliverables were always in order, accompanied by... read more

    Zev Nadler Avatar Zev Nadler

    Dana has helped us twice. Great to work with and always looking for ways to help us! Highly recommend.

    Dina & Dave Avatar Dina & Dave

    I highly recommend Dana. Her knowledge and communication is top notch. As a broker lender, she is able to look at the options that are best for your needs. She has... read more

    Ruth Grover Avatar Ruth Grover
  • I highly recommend Dana. Her knowledge and communication is top notch. As a broker lender, she is able to look at the options that are best for your needs.... read more

    Ruth Grover Avatar Ruth Grover

    First time home buyer. Dana was awesome at helping us navigate the details of buying our first home. No question went unanswered and she worked very quickly but also thoroughly.... read more

    Stephen Boyd Avatar Stephen Boyd

    I highly recommend Dana for all your lending needs. As a Broker, she has the ability to "shop out" your mortgage and get you the best possible rate. ... read more

    Noel Babyak Avatar Noel Babyak

    This was my first home buy so naturally I was nervous. Dana walked me through every step and communicated with me daily as to the next steps. We had a... read more

    Chris Avatar Chris