Brian Scott

Hello, I'm Brian Scott, with Guild Mortgage! If you're reading this, you're likely contemplating one of life's most significant journeys: the path to homeownership. It's a path filled with excitement, dreams and let's be honest, a fair share of complexity and questions. My role is to be your expert guide, a steadfast advocate, and professional resource through the entire process. I don't just see my job as securing a loan approval; I see it as helping to build the foundation for your future. For me, a mortgage is more than a financial instrument; it's a key that unlocks a door - to stability, to community, to opportunity and memories to be made. Before becoming a Mortgage Lender I worked in education. What I loved most about teaching was guiding students through a process, helping them overcome obstacles and celebrating their achievements. Transitioning to mortgages was a natural evolution. The principles are the same: listen, educate, empower and support. The stage is just different; now, I'm helping people achieve a life-altering milestone! I've been in the mortgage industry for over ten years, helping hundreds of individuals and families navigate the path to homeownership. I've worked through boom markets and downturns, rate hikes and dips encountering and solving a vast array of scenarios, which means I'm prepared to handle your unique situation with wisdom, experience and expertise. My approach to mortgage lending is built on three pillars: Empowerment Through Education: An informed client is an empowered client. You should feel confident in your decisions because you truly understand them. I welcome all your questions - there are no silly ones. Radical Transparency: I am committed to complete honesty and transparency. We will discuss your budget realistically, your options thoroughly and all associated costs upfront. You will know exactly what to expect at every stage of the process. Fierce Advocacy: When working with me, you gain an unwavering ally who will fight for your application, advocate for your approval and work tirelessly to keep your process on track and on time ensuring your file moves smoothly from application to closing. While equipped to help a wide variety of buyers, I have developed deep expertise in several key areas: First-Time Homebuyers: I love demystifying the process for those doing it for the first time. I have access to a plethora of resources that can make homeownership more accessible with lower down payments and other benefits. Self-Employed Individuals and Investors: Traditional W-2 income is straightforward. If you're self-employed, a freelancer, or a real estate investor, your financial story is more complex. I am highly skilled at analyzing tax returns, PandL statements and asset portfolios to build a strong, approvable case for you. Credit Challenges: Your past does not have to define your future. If you've had financial bumps in the road, let's talk. I am a pragmatic problem-solver who can help you understand your credit report and create a realistic plan to improve your score and achieve your goals. When I'm not analyzing loan files or celebrating at closings, you can find me most likely mat side coaching youth and high school wrestling, spending time with my dog Toby or on a good hiking trail, ask me for suggestions! Finally, my promise to you: I will always prioritize your best interests. I will be accessible and responsive. You will have my direct line and email. I will work with a sense of urgency, respecting your timeline as if it were my own. I will simplify the complex and make the stressful manageable. I will be your calm, confident guide from pre-approval to closing and beyond. Thank you for taking the time to learn my story. I hope it has given you a sense of who I am and how I work. The next step is a simple conversation. I would be honored to hear your story and discuss how we can work together to open the door to your next home. Warmly, Brian