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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
Thomas H.
Completed transaction in November 2025
Communication was the best part about working with embace Home loans/ Scott Phillips
5
Sheila J.
Completed transaction in October 2025
For the work that I do and for my peace of mind, Scott was amazingly helpful and incredibly clear throughout the entire process. From the very beginning, he showed so much patience and understanding, always taking the time to explain things in a way that made sense. The way he goes above and beyond, even creating personalized videos to break down every step, truly made this experience one of a kind. Scott and his team were nothing short of amazing 🙌🏼 Jessica and Carolina, I want to personally thank you both for your kindness, communication, and dedication. You all made what could’ve been an overwhelming and scary first purchase feel calm, organized, and exciting. This was such a big milestone for me, and I can honestly say I felt supported and cared for every step of the way. From the smallest questions to the biggest decisions, your team made me feel like I was in the best hands possible. Thank you ALL for making my first big (and yes, a little scary!) purchase so comforting, smooth, and every bit of amazing 🥰
5
Arlene S.
Completed transaction in October 2025
They were on point in giving me the information and also on time. The team is very accommodating and very professional.
5
Michelle L.
Completed transaction in October 2025
The care and passion that Scott has for his clients in getting them all the assistance that he can is so remarkable! His knowledge of grants and assistance is so far above a lot of lenders. He is always looking for more ways to help his clients become home owners! Way to go Scott and thank you so very much!
5
Michelle L.
Completed transaction in August 2025
As a realtor, I believe that Scott cares about his clients deeply and that is very important to me. I want to make sure that my clients are being heard and the team has their best interest first. Clients are not just $$$ but actual real people who sometimes don't believe that they can own a home. Scott and his team have made many people's dreams come true! Thank you Embrace Team! Thank you!
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8008 Coastal Highway, Suite 2
MD 21830 USOcean City, MD 21842
You can get pre-approved online, over the phone, or in person at our Ocean City branch. We'll review your income, credit, and goals to provide a personalized letter to help strengthen your offer.
It depends on your budget, credit, and goals, but our local loan officers in Ocean City will walk you through the best options, from conventional loans to government-backed programs.
Yes! Our Ocean City branch is located at 8008 Coastal Highway, Suite 2, Ocean City, MD 21842, and we serve homebuyers in the surrounding area. Stop by or schedule a meeting with a loan officer today.
Yes. Our team in Ocean City can help you explore low or no down payment options, including FHA, VA, and local assistance programs you may qualify for.
Embrace Home Loans is a trusted mortgage lender in Ocean City, MD. Our local team offers personalized guidance and a wide range of loan options to help you buy with confidence.
4.86 (367 Reviews)
