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Experience -Trust - Knowledge - Communication

Let my experience guide be your Home!

Building trust, one borrower at a time.

Find out how we performed in the J.D. Power 2025 U.S. Mortgage Servicer Satisfaction Study.

About me

As a mortgage originator in the industry for over 20 years, I have the experience and knowledge to guide you successfully and smoothly through the loan process.  My team and I are ready to assist you with finding the right financing for your needs.  I am well versed in all conventional, government, and Veteran Administration loans. Whether you are looking to purchase or refinance your first home, an investment property, or your forever home, Team Scott will help you to find the loan options that meet your financial goals.

My team and I pride ourselves on great communication, excellent customer service, and making sure our clients are happy with our services.  We work on a referral basis, so making sure our clients are happy is paramount to receiving referrals from our past clients.  We also have a great network of agents that we work with, so if you haven't found a great agent to work with yet, please don't hesitate to ask for someone in the areas that you are interested in.  

Our goal at Team Scott is to create clients for life!  I will always look out for the best interests of my clients, as they are the lifeblood of our business.  We look forward to wowing you with our knowledge, communication, and service, so that we can earn your business and that of your friends and family.  We know that when you refer someone, you are putting your reputation on the line, we are always cognizant of that, and want to make your referrals happy clients so they come back and say "thank you!" for referring them to true professionals.

Cheers!

Andy Scott
Team Scott 

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Meet my team

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Thank you for choosing us for one of the biggest steps in your life. Our team is now your team. We’re here to keep you updated, answer all of your questions and make sure you’re confident in every step you take. We have your back.

Let’s find the right home loan for you

We have loan options to fit every situation, from down payment assistance programs for first-time homebuyers to government-sponsored programs for military families and rural residents or jumbo loans in high-cost markets.

Product Info

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Testimonials

Testimonials
4.99 out of 5.0 stars
5.0
4.94
5.0
Catherine
Oct 24, 2025
Folsom, CA
Verified

This was our second loan transaction with Andy Scott, and once again, he delivered an exceptional experience. The entire process was seamless and stress-free. Andy was consistently available to answer our questions, providing clear and thorough explanations every step of the way. His professionalism, attention to detail, and genuine care made us feel confident and well-supported throughout the process. We greatly appreciate Andy and his team for their outstanding service and smooth execution.
Beth
Oct 16, 2025
Davidson, NC
Verified

Great company tonwork with and would highly recommend
Otto
Oct 20, 2025
Verified

This has been or 5th or 6th transaction with Guild Mortgage over the last 20 years. This includes new mortgages and refis. Andy and his team (Naba et al.) were absolutely fantastic throughout the process. They communicated clearly, and in timely manner to complete the transaction on time. Andy's knowledge of the industry, current lending situation, market and rate minimization is probably best I have come across. It is obvious that he has the client's best interest in mind. I could not be happier with our experience and will definitely use Guild again for any upcoming real-estate financing needs as well as heartily recommend to friends and family. Note that my brother refinanced his mortgage with Bob Cooley few years back with a similar extremely positive experience. Andy and Naba, many thanks for making this transaction painless and ultimately very successful! Regards...Otto
Otto V
Oct 20, 2025
Verified

This has been or 5th or 6th transaction with Guild Mortgage over the last 20 years. This includes new mortgages and refis. Andy and his team (Naba et al.) were absolutely fantastic throughout the process. They communicated clearly, and in timely manner to complete the transaction on time. Andy's knowledge of the industry, current lending situation, market and rate minimization is probably best I have come across. It is obvious that he has the client's best interest in mind. I could not be happier with our experience and will definitely use Guild again for any upcoming real-estate financing needs as well as heartily recommend to friends and family. Note that my brother refinanced his mortgage with Bob Cooley few years back with a similar extremely positive experience. Andy and Naba, many thanks for making this transaction painless and ultimately very successful! Regards...Otto and Cindy
Otto
Oct 16, 2025
Davidson, NC
Verified

This has been or 5th or 6th transaction with Guild Mortgage over the last 20 years. This includes new mortgages and refis. Andy and his team (Naba et al.) were absolutely fantastic throughout the process. They communicated clearly, and in timely manner to complete the transaction on time. Andy's knowledge of the industry, current lending situation, market and rate minimization is probably best I have come across. It is obvious that he has the client's best interest in mind. I could not be happier with our experience and will definitely use Guild again for any upcoming real-estate financing needs as well as heartily recommend to friends and family. Note that my brother refinanced his mortgage with Bob Cooley few years back with a similar extremely positive experience. Andy and Naba, many thanks for making this transaction painless and ultimately very successful! Regards...Otto and Cindy
Steven
Sep 26, 2025
Pittsburg, CA
Verified

Andy scott was very helpful, and patient with us ,explaining every step and was always available to talk with.

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Awards

Scotsman Guide Award Scotsman Guide Award

Causes & Memberships

member of Guild Giving
NMLS ID #230325
I am authorized to do business in the states of California, Idaho and North Carolina. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act;