(181 reviews)

Scott Lacey

National Mgr., Construction and Renovation Loans

NMLS ID #8154

Lincoln, RI

4.89

(181 reviews)

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14 Breakneck Hill Road, #ll1 & #ll3, Lincoln, RI 02865

[email protected]

(401) 214-4715

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About me

I am licensed in 17 states, including Alabama, Connecticut, the District of Columbia, Florida, Georgia, Indiana, Michigan, Massachusetts, Maryland, Maine, North Carolina, New Hampshire, New Jersey, Pennsylvania, Rhode Island, South Carolina, and Virginia. The best place to start in the home buying process is to work one-on-one with a trusted loan officer. This is so you can understand which home mortgage options you are qualified for and can identify any obstacles that may need to be addressed to provide a smooth home buying process. My team and I look forward to building a relationship with all our clients and helping you to finance your home.

Outside of the office, some of my favorite hobbies include taking part in various outdoor activities and spending time with my family and friends.

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Testimonials

4.89 (181 reviews)

5.0

4.8

5.0

4.9

I had the pleasure of working with Scott Lacey from Guild Mortgage on a 203(k) loan transaction in Sabattus, Maine, and I cannot recommend him highly enough. Scott is extremely knowledgeable and well-versed in the complexities of 203(k) financing. His communication throughout the entire process was outstanding—he was always quick to respond, clear in his explanations, and readily available whenever questions came up. What really stood out was how seamlessly everything came together. Scott and his back-office team, especially Daysi, made the process feel organized and efficient from start to finish. He worked exceptionally well with everyone involved—the buyer, myself as the agent, and the general contractor—ensuring that all moving parts stayed aligned. Whenever something required a deeper explanation, Scott took the time to walk us through it in a way that was easy to understand. That level of support made a big difference for both myself and my client. If you are considering a 203(k) loan in Maine, I would absolutely recommend Scott Lacey. He’s a true professional and a great partner in any transaction. — Aaren James Fontaine Family – The Real Estate Leader

Aaren J.

Mar 31, 2026 |

Aaren

Mar 31, 2026 |

Sabattus, ME

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Phone:

(401) 214-4715

Mobile:

(401) 723-5400

Branch:

(401) 214-4715

Fax:

(401) 868-4069

Email:

[email protected]

14 Breakneck Hill Road, #ll1 & #ll3, Lincoln, RI 02865

Office Hours

Monday - Friday

Saturday

Sunday

8:00AM - 5:00PM

CLOSED

Monday - Friday

8:00AM - 5:00PM

Saturday

CLOSED

Sunday

CLOSED

NMLS ID #8154

I am authorized to do business in the states of Alabama, Connecticut, District of Columbia, Delaware, Florida, Georgia, Indiana, Kentucky, Massachusetts, Maryland, Maine, Michigan, Mississippi, North Carolina, New Hampshire, New Jersey, Pennsylvania, Rhode Island, South Carolina, Tennessee and Virginia. MA Mortgage Lender License #MC3274; MA Mortgage Broker License #MC3274; MA MLO Lic # 8154; Licensed by the Mississippi Department of Banking and Consumer Finance; Licensed by the N.J. Department of Banking and Insurance; Rhode Island Licensed Lender; (www.nmlsconsumeraccess.org/);

Find the loan that works for you

See what we offer

Whether you’re buying your first home, exploring down payment assistance, relocating for military service or purchasing in a high-cost market, Guild offers a range of loan programs designed to meet different needs and situations.

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Tools to help guide you

Know before you borrow

Your trust means everything to us.

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

Mortgage income calculator

Find out how much annual income you’ll need to buy a house.

Mortgage payment calculator

See how principal, interest, taxes and insurance make up your monthly mortgage payment.

Temporary buydown calculator

Learn how a temporary rate buydown might reduce your monthly mortgage payment.

Your trust means everything to us.

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

More resources

Helpful resources

What are draw and repayment periods for HELOCs* and HELOANs?

Nearly 30% of homeowners are considering tapping into their home equity, a notable increase compared to a few years ago.

When should I use my home equity?

Your home has probably done a lot for you over the years. It’s where you’ve made memories, celebrated milestones, and planted roots.

Is a 2-1 buydown worth it? Pros and cons explained

A 2-1 buydown, also known as a 2-year temporary buydown, provides breathing room for aspiring homeowners to get started on building equity.

home equity insights

Get smart about your home's value

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Scott Lacey

Let's talk

Get pre-approved

Apply for a loan

Find the loan to fit your life

You have choices when it comes to home financing

About me

Testimonials

Ready to get started?

Keep in touch

Office Hours

Send us a message

See what we offer

Video gallery

Know before you borrow

Your trust means everything to us.

Mortgage income calculator

Mortgage payment calculator

Temporary buydown calculator

Your trust means everything to us.

Helpful resources

What are draw and repayment periods for HELOCs* and HELOANs?

When should I use my home equity?

Is a 2-1 buydown worth it? Pros and cons explained

home equity insights

Get smart about your home's value

Get my app