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Scott Phillips

Maryland - Annapolis

1907 West Street, Suite 102

Annapolis, MD 21401


About Scott

As a Maryland native with decades of experience in the mortgage industry, Scott is uniquely qualified to help all types of borrowers in the Annapolis area. He has a reputation for being honest, extremely knowledgeable, and genuinely appreciative for the trust homebuyers put in his ability to walk them through the mortgage process.

Scott was born in Montgomery County (Rockville) and currently lives in Howard County (Clarksville) with his wife of more than 20 years, and their two boys. Thankfully, he’s lucky enough to live on three acres because in addition to his human family of four, he has four dogs that are part of the family as well: a Golden Retriever, an Australian Kelpie, and two Shih Tzus. Scott loves being active — he plays basketball three times per week in a couple different leagues, goes paddle boarding in the Atlantic Ocean, and likes doing 20-mile rides on a road bike. 

Keeping with his roots in the Old Line State, Scott attended St. Mary’s College of Maryland and received a B.A. in Economics. He was the Owner and President of Clarksville Mortgage Corporation for 19 years and grew to know and love Embrace Home Loans during that time. He’s a member of the Maryland Mortgage Bankers & Brokers Association (MMBBA) and the Maryland Building Industry Association (MBIA).  

Scott loves having the ability to offer Embrace’s best-in-industry mortgage products to solve problems for his borrowers and referral partners. With a strong builder’s lender background, he enjoys focusing on new construction and values the professionalism and high standards of his team at Embrace.


98% Customer Satisfaction Rating
Zillow 5 star rating
Inc 5000 Fastest Growing companies
Scotsman Guide Top Lender


  • 5

    5 Survey completed on October 17, 2021

    Review By Thomas R. for Scott Phillips

    Completed transaction in October 2021

    Scott and his staff closed a difficult refinance professionally and efficiently.

  • 5

    5 Survey completed on October 10, 2021

    Review By Marsha L. for Scott Phillips

    Completed transaction in October 2021

    Consistent, knowledgeable support and guidance.

  • 5

    5 Survey completed on September 30, 2021

    Review By Sebastian L. for Scott Phillips

    Completed transaction in September 2021

    Scott is just awesome at his job. He does a great job at customer service and knows his craft!

  • 5

    5 Survey completed on September 28, 2021

    Review By Timothy S. for Scott Phillips

    Completed transaction in September 2021

    Great communication, made the whole process very easy and stress free. Always quick and helpful if we had any questions.

  • 4

    4 Survey completed on September 18, 2021

    Review By Charles W. for Scott Phillips

    Completed transaction in September 2021

    Being more informed on the process, updates, and accurate information concerning the numbers.

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What Is a Mortgage Loan?

A mortgage is a type of loan used to purchase a home.  Since most homebuyers do not have hundreds of thousands in cash on hand, the majority of consumers use mortgage loans to purchase their properties. This allows them to spread the cost of the home out over time — often many decades. According to…

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