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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 (5 stars)
Morelia Bautista .
Completed transaction in January 2026
Great experience working with Scott. He truly went above and beyond throughout the entire process. He was always reachable, very professional, and patient in answering all questions. It was a pleasure working with him, and I would highly recommend him to anyone looking for an excellent loan officer.
5 (5 stars)
Morelia B. from College Park, MD
Completed transaction in January 2026
Great experience working with Scott. He truly went above and beyond throughout the entire process. He was always reachable, very professional, and patient in answering all questions. It was a pleasure working with him, and I would highly recommend him to anyone looking for an excellent loan officer.
5 (5 stars)
Denise H. from Waldorf, MD
Completed transaction in January 2026
Customer Service, Response Time, Fastness and just overall great people
5 (5 stars)
Shaquiya Tullis .
Completed transaction in January 2026
5 (5 stars)
Shaquiya W. from Randallstown, MD
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.
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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 (376 Reviews)
