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


  • 5

    5 Survey completed on June 27, 2022

    Review By Amy A. for Scott Phillips

    Completed transaction in June 2022

    I truly believe it was the appraisal guarantee that helped us win our offer. Working with Scott, Jessica, and Kyra it truly felt they cared about us getting into our home and worked hard to advise and help us get there. Highly recommend Scott and the Embrace team. Thank you all from the bottom of our hearts!

  • 5

    5 Survey completed on June 02, 2022

    Review By Lionel W. for Scott Phillips

    Completed transaction in June 2022

    The very fast turnover was really great and any questions that I had I was able to get answers thank you so much

  • 5

    5 Survey completed on May 13, 2022

    Review By Andria K. for Scott Phillips

    Completed transaction in May 2022

    Pretty easy process, no complaints

  • 4

    4 Survey completed on May 04, 2022

    Review By Eddie K. for Scott Phillips

    Completed transaction in May 2022

    Videos and simplicity of concepts explained

  • 5

    5 Survey completed on May 02, 2022

    Review By Todd B. for Scott Phillips

    Completed transaction in April 2022

    The Embrace team provided excellent guidance throughout process and were consistent with responsiveness .

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