It's Time To Refinance!
Interest Rates are Rapidly Changing
Join our Pipeline and get rate alerts in real time, at NO COST or COMMITMENT, so you can decide to refinance or purchase when it's right for you . Click any "APPLY NOW" button to join.
Scot Douglas Foss
Loan Officer
We offer low mortgage rates along with a convenient online loan application process supported by a team of experienced loan officers. Join our Pipeline.
Bio:
Scot Foss
BIO
I started my career as a Realtor in the Santa Ynez Valley, California and for 20 years have been involved in all aspects of the business. I have held various positions with the Association of Realtors, including President. The buyers and sellers, I’ve worked with come from all walks of life and the properties I’ve sold range from large ranches to small, single-family homes. Working as a mortgage loan originator and having the knowledge I’ve accumulated as a Realtor enables me to provide borrowers with a complete and broad understanding of what they can expect in the loan process. I work closely with each client, emphasizing timely and frequent communication, to ensure that their loan experience is thorough and fully represented throughout.
Fun fact: my first career, years ago, was in the Country Music industry. My three brothers and I formed a band, Zaca Creek, and released three albums, one of which was under the CBS/Sony label. We also released six music videos, three of them self-produced and directed. The band toured the country in support of these albums and videos, and Farm Aid was one of the most fun!
Phone: (805) 325-1460 / (865)-770-9741
NMLS#: 2045931
License: CA TN
Spoken Language: English
My reviews on Google
Mortgage Rates
Why are our rates so low?
- 1. WE SHOP RATES FOR EVERY LOAN: We compare rates from 197 lenders in real-time for you.
- 2. WE NEGOTIATE FOR YOU: Loan Factory is the fastest-growing Mortgage Broker in the US. Because we have closed so many loans, we can negotiate and obtain ridiculously low rates from lenders.
- 3. WE LOWER OUR PROFIT: Our profit per loan is much lower than that of our competitors. We aim to earn your business and your referrals.
OUR ACCOMPLISHMENTS
197+
Number of Lenders
7511+
1160+
![express](http://storage.googleapis.com/lender-rate/express/img/quote/cta.jpeg?v=0)
I will find loan options for you through Loan Factory's Lender Partners that fit your Budget and Goals.
I do the loan shopping, YOU make the choice.
Services We Offer
![Home Purchase](http://storage.googleapis.com/lender-rate/express/img/quote/service-1.jpg)
Home Purchase
Are you a first-time home buyer? Let's make an easy start with us. We will guide you through all the paperwork. All you need to do is to trust us and relax.
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Refinance Low Rate
Need to refinance to get a better rate? We will get great deals for your financial plan. As rate is updated in real time from lenders, your refinance plan will just get better.
![Re-finance Cash Out](http://storage.googleapis.com/lender-rate/express/img/quote/service-3.jpg)
Refinance Cash Out
A cash-out refinance is one of several ways to turn your home's equity into cash. We will help you with your financial plan.