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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.

Testimonials

Testimonials
4.88 out of 5.0 stars
5.0
4.87
5.0
Chad
Jun 09, 2025
Belmont, NC
Verified

The transaction closed without me even realizing it was a bit of a struggle to get the buyers to the finish line
Kim
Jun 02, 2025
North Myrtle Beach, SC
Verified

I worked with the seller
OoThatGuyoO
Jun 04, 2025
Verified

As a first time homebuyer, and someone facing eviction, Scott and the Guild Mortgage team helped my family relocate with a reasonable loan negotiation. The process was simple and the information provided was helpful. My family feels lucky to have such helpful people available, and lucky to have a roof over their head.
James
Jun 02, 2025
York, SC
Verified

Scott made the whole process seamless and pain free. Any questions or concerns we had he was always there to answer them. I would highly recommend him if you are looking to purchase a house.
Ashley
Jun 02, 2025
York, SC
Verified

Scott was easy to work with and made the process as smooth as possible. He helped make buying our new home extra special. I would highly recommend Scott Maness.
Rebecca S
Jun 02, 2025
Verified

His knowledge and skills makes Scott one of the best lenders in the business.

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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.