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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
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 (367 Reviews)
