Scott is a very personable individual who truly cares about his clients. He tells the truth whether they want to hear it or not .He cares about them. Explains everything to his borrowers. He values every referral he receives and it is very apparent. He sold my daughter and her family their very first home. When they are ready to buy a bigger home, they will go back to him. I have also referred many people to him who have said thank you to me afterwards.They loved him. The biggest thing I like about Scott, he does not come off like a salemen! Great guy!!