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https://www.embracehomeloans.com/location/maryland/ocean-city/scott-phillips
Producing Sales Manager NMLS# 181137
Scott Phillips is a trusted mortgage professional in Ocean City, MD 21842
Annapolis has a very experienced cast of characters. We have all been in the business for 20+ years. There are only five of us but I feel that I can go to any of them for opinions or good advice. We are a very transient group, with some members working out of local realty offices and others trav...
2020
5
Shaquiya Tullis .
Completed transaction in January 2026
5
Shaquiya W.
Completed transaction in January 2026
From start to finish Scott and his team communicated with my husband and I, as he guided us through the home buying process. When we had questions, we knew that we could text or email him and he would respond quickly. Overall, we had a great experience and we would definitely refer friends and or family to work with Scott Phillips and his team with Embrace Home loans.
5
Hispren W.
Completed transaction in January 2026
We appreciate the patients the time and knowledge on how Scott and his team worked with us and helped us out throughout our process of becoming first time home buyers.
5
Ana G.
Completed transaction in December 2025
I refer Scott and Embrace Home Loans to everyone I know. Scott is always super helpful and yet again the special programs they offer like the Value Gurantee gave my buyer an edge allowing him have his offer accepted! Definitely recommend
5
jessica smith .
Completed transaction in November 2025
Big shoutout to Scott, he’s exactly who he think he is! Professional, experienced and solid from start to finish 🙌🏽 he made this whole loan process smooth and stress-free. He really knows his stuff, communicated every step of the way and even sent short videos breaking down what was next, which I loved. He also came through with securing over $20k in builders incentives without even using the builders lender, plus down payment assistance funds and HOA Fees paid for a full 12 months… With 30+ years in the mortgage game, experience speaks for itself🔥. If you’re looking to buy a home, Scott is THAT guy. 🔑🏡 Hey Alexa play 📢 “All I do is win by DJ Khalid” for Scott please!
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8008 Coastal Highway, Suite 2
MD 21830 USOcean City, MD 21842
Yes. Scott Phillips can help you explore low and no down payment options, including FHA, VA, USDA, and exclusive Embrace programs. You may also qualify for local or state assistance depending on your income and location.
Getting pre-approved is simple. You can apply online, schedule a call, or meet with Scott Phillips at our Ocean City branch. We’ll review your income, credit, and homebuying goals, then issue a personalized pre-approval letter. Many buyers choose Embrace’s exclusive Approved to Move program, which goes beyond standard pre-approval by fully underwriting your loan upfront.
Embrace Home Loans is a trusted mortgage lender serving Ocean City and nearby communities. Our local loan officers offer personalized guidance, competitive rates, and exclusive loan programs designed to support homebuyers from pre-approval through closing. Whether you're a first-time buyer or refinancing, Scott Phillips is here to help you reach your goals.
Choosing a mortgage depends on your credit score, income, property type, and long-term goals. Scott Phillips will help you compare fixed vs. adjustable rates, down payment requirements, and loan terms and guide you toward the best fit for your situation, whether you're buying your first home or your fifth.
The best mortgage depends on your credit, income, and long-term financial plans. Government-backed loans often offer flexible guidelines, while conventional loans may offer lower rates and reduced fees. Scott Phillips will walk you through your options and help you find the right fit.
4.86 (373 Reviews)
