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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)
Jose Rodriguez .
Completed transaction in March 07, 2026
Scott was amazing in every step of the process. He really cares and went the extra mile to help me achieve my homeownership dream. Thanks Scott!
5 (5 stars)
Anna Rodriguez .
Completed transaction in March 06, 2026
Scott is THE MAN when it comes to mortgage loans. He literally saved us! 🥳🤍
5 (5 stars)
Jose R. from Baltimore, MD
Completed transaction in February 28, 2026
Scott's knowledge and support in evey every step made the process manageable and positive . If we ever had any issue or concern, he was always accessible and supportive .
5 (5 stars)
Tia Nelson .
Completed transaction in March 04, 2026
Scott Phillips and the Embrace team are fantastic. I never felt like I didn't understand the home buyer process with them. All my questions were answered and communication was always open. I am so grateful to have traveled the road to homeownership with them.
5 (5 stars)
Tia N. from Baltimore, MD
Completed transaction in February 26, 2026
Scott is a fantastic mentor and cheerleader when you are going through this process. He shares his experices with you when you think you are not going to make it through and offers solutions that will help correct some issues. He answers all your questions and I loved my video communications that helped give me a visual while he was teaching me about the stepsI was taking while in this process. Thank you so much to Scott and the entire Embrace team. I am forever greatful for your patienence and integrity.
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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.
4.87 (387 Reviews)
