Scott Phillips

Maryland - Annapolis

1907 West Street, Suite 102

Annapolis, MD 21401


About Scott

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 traveling to builder subdivisions every weekend. We prefer to have loan officers out in the field making the connections that they need to make to build our referral community.

We have a strong builder focus and want to establish Embrace on approved lender lists for builders. Karla has the relationship with Timberlake Homes. She is the preferred lender in several Timberlake communities. Timberlake has the most wonderful things to say about Karla. She is truly part of the Timberlake Homes team as well as the Embrace Home Loans team. Karla works every Saturday at the builder’s model home. We are looking for loan officers who want to be as committed as Karla. Mary Beth works from Keller Williams on a daily basis.

It is going to take time but I am very active with the Maryland Building Industry Association (MBIA). I am constantly working the builder community to establish relationships. Once we become a preferred/approved lender, the hope is to add loan officers to work these subdivisions. We have great builder products to make this happen (Long Locks, Beyond, Builder Services, Early Docs).

Chairmans Club Award 2020

98 percent Customer Satisfaction Rating thumbs up
Zillow 5 star rating
Inc 5000 Fastest Growing companies
Scotsman Guide Top Lender
Scott Phillips

Branch Manager

NMLS # 181137

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1907 West Street, Suite 102

Annapolis, MD 21401

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  • 5

    5 Survey completed on May 23, 2023

    Review By Nikisha F. for Scott Phillips

    Completed transaction in May 2023

    Home buying can be a very intimidating, time consuming and frustrating process. The Embrace Home Loans team, helped me to successfully navigate this life changing process. I am incredibly grateful! Thank you 😊

  • 5

    5 Survey completed on May 13, 2023

    Review By Michelle L. for Scott Phillips

    Completed transaction in May 2023

    Communication, awesome team to work with and really considered the client! Thank you!!!!

  • 4

    4 Survey completed on May 09, 2023

    Review By Antjuan W. for Scott Phillips

    Completed transaction in May 2023

    Great experience with buying my first house!! Thank You Scott

  • 5

    5 Survey completed on May 07, 2023

    Review By Cornell W. for Scott Phillips

    Completed transaction in May 2023

    What made it great was it was a good learning experience Mr Scott and Jessica was really outstanding hard working and believe me when I tell you they never gave up on me and I never gave up on them I would recommend my family and friends to embrace home loans anytime any day also special thanks as well to the rest of the staff who works so hard

  • 5

    5 Survey completed on May 06, 2023

    Review By Erica C. for Scott Phillips

    Completed transaction in May 2023

    Me and My spouse were so Thankful to have been referred to Scott from our Realtor who was also Amazing.. It was our first time going through the home buying process and everything was explained to use in detail and Scott also made us videos explaining things which also helped alot as well.. It was ALOT of paperwork but with a attentive Lender and Real Estate Agent it wasn't as bad as we both thought it would be but we are so glad that partt is now over. We purchased a Beautiful Townhome and couldnt be more Happy. Also, Thank you to Jessica and Kyra from Embrace as well. We would definitely recommend Scott to other people who are in the home buying Process. Thank you so much Scott for everything.