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CA (805) 325-1460

TN (865) 770-9741

#1 BROKER IN THE US

------2021 & 2022------

Scot Douglas Foss

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! 




My wife, Jill (also in the mortgage business) and I have two adult children, Gavin and Camryn, and a very large, red-tri Australian Shepherd named Moose.



Phone: (805) 325-1460 / (865)-770-9741

NMLS#: 2045931

License: CA TN

Spoken Language: English

My reviews on Google

Scot is an excellent Loan Officer at Loan Factory. He is incredibly professional, knowledgeable, and dedicated. Scot consistently goes above and beyond to ensure his clients receive the best possible terms for their loans. His clear communication and attention to detail make the loan process smooth and stress-free. I highly recommend Scot for anyone seeking a top-notch loan officer.
Scot is highly professional, knowledgeable and responsive. Always looking out for client's best interests
Great service and easy to work with. Scot was amazing

Mortgage Rates

Why are our rates so low?

  • 1. WE SHOP RATES FOR EVERY LOAN: We compare rates from 199 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

199+

Number of Lenders

express

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

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.

Re-finance Low Rate

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

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.

Why Us

Independent Advice.

We commit to always give you independent advice regarding real estate and mortgage options.

Customer First.

We make less per loan than competitors and pass the extra savings to borrowers.

Low Available Rates

You will always get great deals with our real-time pricing engine.

Fast, Convenient, Local Service.

we are just one call away from your requirement.

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