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Your Trusted Mortgage Expert in the Carolinas

Select from hundreds of loan products tailored to your needs

About me

Born and raised in the vibrant Charlotte, NC area, I have dedicated the past 13 years to helping individuals and families achieve their homeownership dreams through mortgage loans. Serving communities throughout North and South Carolina, with a special focus on Gaston, Mecklenburg, Lincoln, York, and Horry counties.

My expertise spans Conventional, FHA, USDA, and VA financing, first-time homebuyer programs, and I have a wealth of experience working with investors to build their property portfolios. My commitment to providing competitive interest rates, exceptional service, and tailored financial solutions has earned me a reputation for excellence in the industry.

When I'm not assisting clients, I enjoy spending time with my family or hacking it on the golf course.

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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.

Conventional

Conventional

A Conventional loan is a great option if you have an average to high credit score and little debt. This allows you to take advantage of lower interest rates. With these types of loans, you have the option to put 20% down, which eliminates the need for private mortgage insurance (PMI) and saves you money. If you don’t have a large down payment saved up though, don’t worry. We have Conventional loan options for down payments as low as 3%.
Down payment assistance

Down payment assistance

If you’re purchasing your first home, you have options to buy without saving a full down payment. Down payment assistance (DPA) programs can help with your down payment in the form of a loan or grant that is often forgiven over time.
FHA

FHA

If you’re looking to buy on a tight budget, these loans are a great option. It’s easier to qualify for FHA loans because they carry lower credit score requirements and lower down payment options starting at 3.5% down. They’re also insured by the Federal Housing Administration (FHA) and only issued by FHA-approved lenders.

All loans are subject to underwriter approval; terms and conditions may apply. Subject to change without notice.

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Testimonials

Testimonials
4.89 out of 5.0 stars
5.0
5.0
4.87
5.0
Robert B
Aug 30, 2025
Verified

I cannot say enough great things about Scott and the incredible service he provided to my buyer clients! From start to finish, Scott went above and beyond to make the process smooth, stress-free, and truly enjoyable. He was always available to answer questions, kept us informed every step of the way, and explained things in a way that made everything easy to understand. His professionalism, knowledge, and dedication were second to none. Scott consistently stayed ahead of deadlines, ensuring there were no surprises along the way, and he treated my clients like family—always putting their best interests first. Thanks to his hard work, we had one of the smoothest closings I’ve ever experienced. If you’re looking for a mortgage professional who is responsive, reliable, and genuinely cares about helping people achieve their goals, Scott is the one you want in your corner. My clients and I are extremely grateful for his expertise and commitment, and I look forward to working with him on many more transactions in the future!
Maxwell
Aug 20, 2025
Mount Holly, NC
Verified

Scott was very helpful!
Melissa S
Aug 10, 2025
Verified

Having the pleasure to work with Scott & his team on behalf of my most recent relocation Buyers for their move to NC was wonderful! The clear communications are so appreciated, as is Scott's willingness to work together as a true team for our Buyers. Looking forward to many more transactions together!
Melissa
Aug 09, 2025
Maiden, NC
Verified

Having the pleasure to work with Scott & his team was wonderful! The clear communications are so appreciated, as is Scott's willingness to work together as a true team for our Buyers. Looking forward to many more transactions together!
Christyn
Jul 31, 2025
Belmont, NC
Verified

Scott and his team were fantastic! They communicated with my client and were able to get the CTC early. Would definitely recommend Scott and his team to anyone looking for a great lender!
Rocky P
Jul 09, 2025
Verified

The communication from Guild Mortgage to myself was a great contribution on the successful completion of my home buying process. Much thanks and appreciation goes out to Scott, Heather and Michael for your hard work and efforts

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Awards

Causes & Memberships

member of Guild Giving
NMLS ID #1241341
I am authorized to do business in the states of Florida, North Carolina and South Carolina.