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Scott Fowler

Branch Manager / VP of Mortgage Lending
421 SE Main St, Ste 200, Simpsonville, SC 29681
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NMLS: 107432
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TestimonialsCustomer testimonials Read more

Scott was great with the whole process. I stated in the beginning about how I would like to be in the new house as soon as possible and Scott made that happen. Working in the hotel industry requires me to focus on many things and Scott made me feel like buying a house wasn't something I need to "worry" about. I also appreciated his availability anytime in the morning, day and even at 11:00p at night.

Tim M. - Simpsonville, SC | MAY 2016

I have done a few loans and refinance deals with Scott Fowler and I'm extremely pleased with how responsive, friendly and attentive he is to my needs and questions.

John P. -Greer, SC | APR 2016

Scott Fowler was very professional and knowledgeable. He kept me constantly updated on the status of my loan application. He and his team were great to work with. They are supportive, prompt answering of my questions, Thank you, Scott!

Charlie L.

Scott and his team was very prompt and receptive to any questions/comments. Exceptional service and always prompt to reply.

Arun M. – Great Falls, VA | Dec. 2014

Scott and his team were great to work with! They were very responsive!

Adam B. -- Simpsonville, SC 7/7/2014

I did my refinancing second time from Scott Fowler and the overall process was very smooth. Like his and his staff's professionalism and the ability to get the lowest rate possible. Will recommend him very strongly for your mortgage finance needs.

Sanjay P. Elkridge, MD 02/01/2012

I began the application process on 1/27/12 and closed the refinance on 2/16/12. From start to finish in 20 days without any problems is outstanding. My bank said their process time was >60 days. Scott's customer service and professionalism was excellent.

Linda R. Simpsonville, SC 02/22/2012

Scott Fowler and those who work with him were outstanding in their response to our questions and specific in recommendations to accomplish our goals. During the process, there was never doubt Scott was putting the client first. We are very pleased with what was accomplished for us.

Brian T. Greenville, SC 03/27/2012

Scott is very professional and is always on top of things. It was indeed a great pleasure to do business with Scott.

Suri R. Clarksburg, MD 04/11/2012

Scott and was great to deal with. He went above and beyond by answering any questions I had even after the loan was already closed.

Seang H. Richmond, VA 05/18/2012

Here is my thank you letter to Scott Fowler: Thanks for your time and your patience! I have ignored every attempt from many financial officers in the past 2 years. I was not even looking when you have contacted me. How you found me is still a puzzle :) You have an extraordinary staff, in particular, Leighann who been super friendly and helpful. I will keep you in mind as a reference for my friends. Hopefully I will use your services for my housing project in the near future.

Tareq A. Ashburn, VA 05/25/2012

Scott Fowler worked with us from start to finish. He did a great job keeping us updated throughout the process. We were able to close quickly at a very competitive rate! I would recommend Scott to others looking to purchase or refinance.

Sherri J. Simpsonville, SC 07/07/2012

Scott Fowler is amazing! Very prompt, professional and personable. Because of Scott, we have recommended your company to other friends.

Linda B. Baltimore, MD 07/20/2012

Good experience. Scott Fowler did a good job of explaining and executing through the process, at a reasonable cost. Have re-fi'd with Scott before, and would go back and do it again if another opportunity arose.

Robert P. Easley, SC 08/02/2012


Robert K. Myrtle Beach, SC 08/03/2012

We enjoyed working with the team. Scott Fowler and his team are very professional, well organized and made the process seamless. If you are looking for a team to help you with navigating the mortgage maze at a great price and in a painless manner, this is the team to be with.

Nick R. Ashburn, VA 08/09/2012

Scott was professional and efficient. He was very knowledgeable and a pleasure to work with.

Marshall H. Simpsonville, SC 08/20/2012

Great team answered all questions in a timely manner. Very nice people helped in every way possible with my loan!!

Mark S., Rutherfordton, NC 08/21/2013

Scott worked hard to have us approved to refi under the HARP plan. I am very thankful to him. We are saving a lot of money every month because of their efforts.

Karen H. Charlotte, NC 09/28/2012

Scott Fowler and his assistant were very nice and patient and helped me a lot. Scott is a stick to it type of guy who doesn't take no for an answer. He is patient to the end with the goal of securing a loan for his customer.

George P., Simpsonville, SC 11/06/2012

Scott Fowler was great and easy to work with. Have and will continue to refer friends and family.

Kyle K. Amelia Island, FL 11/08/2012

On the initial call with Scott, he explained the whole process in great detail & advised me of the best route to take. Throughout the process the communication from Scott & his team was excellent. I always knew where we were & what needed to be done next ahead of time. There were no surprises. I will absolutely recommend Scott & his team to anyone looking for mortgage services. They make the financing part of home buying the easiest part. The online system & e-signing features make the...

Bridget S. - Sept 13, 2014

Scott Fowler and his team provided an excellent mortgage product and worked with us through to completion. This is the second mortgage I've done with them.

Peter M. Durham, NC 11/18/2012

Scott Fowler provided us with excellent service & support in processing our mortgage refinancing -- taking less than one month from initiating request through closing. Answered all our questions accurately, completely, and quickly. Can unreservedly recommend Scott for all your mortgage needs.

James M. Bristow, VA 01/31/2013

Scott Fowler answered all questions by e-mail or phone rapidly and with confidence. It was easy to manage the process as everything except the final signatures was done on-line.

Karl D., Huddleston, VA 02/09/2013

I am in the real estate business and know it is incredibly hard to find a broker that is honest, up front, accurate, on time and follows through on all of their promises. I appreciated so much everything Scott Fowler and his team did to make my refinance an easy and fast experience. He got me an excellent rate w/ minimal closing costs. I look forward to sending as many people as I can his way.

Allisun C., Charleston, SC 02/12/2013

I've refinanced twice with Scott Fowler and his team, and have found the best service and lowest rates. Very quick with both refinances, and was upfront about the details of the process, fees and expected timeline with lenders. Even corresponding remotely, the process was painless. I highly recommend them, and have done so with many of my neighbors!

Tony F., Ellicott City, MD 02/19/2013

Scott Fowler found us a great deal on refinancing our mortgage in February 2013. We got 3.625 on a 30-year fixed and received a credit towards closing costs that more than offset the fees. This resulted in a net credit towards our prepaids! Also, Scott's assistant did a good job making sure the old lender and the new lender had all the documents they needed to close on time, which was no easy task.

Rob L., Charlotte, NC 03/06/2013

Got us closed from start to finish in 2 1/2 weeks-with a great interest rate, too! Scott is awesome!

Roxana N., Fort Lauderdale, FL 04/10/2013

It was great to work with Scott Fowler and LeighAnn Langston in that it was never questioned that they were our advocates in the re-fi process. We could not have been more pleased with the outcome.

Boyd C., Campobello, SC 04/16/2013

My wife and I have trusted Scott for all of our mortgage needs, having financed or refinanced homes with him several times over the years, and we recommend him to our friends.

Robert L. - Sept 12, 2015

I have used Scott three different times and never had any complications or delays in securing a mortgage and refinancing a mortgage. I will not use anyone else.

Ken L. - Nov 22, 2014

I just recently purchased a new home and my loan was funded by Guaranteed Rate. Scott and his staff (D'Andria & Leighann) were absolutely the best to work with! All my questions were answered promptly and professionally. Necessary paperwork was completed without issues and sent to me for signing very quickly (most online). I couldn't be happier with my experience and would definitely recommend Guaranteed Rate to anyone in the market for a home loan. Thanks again to Scott, D'Andria and Leighann!!

Tina B. - Dec 17, 2014

We just refinanced our home with Guarandteed Rate and had a very pleasant experience dealing with Scott, D'Andria, and Leighann through the whole process! We would recommend them highly to anyone that decides to refinance their home.

Eddie C. - Jan 8, 2015

First time using Horizon Financial and I found it very simple. Loan closed quickly, Scott and his team communicated frequently with updates or if they needed additional info. No surprises at closing!

A G. Fairfax, VA 06/10/2013

Just closed a loan in record time. Very professional and friendly to work with. Couldn't recommend more highly.

Shawn L. - Jan 10, 2015

Scott, D'Andria, and Leighann were extremely helpful throughout our entire purchase. Being our first home, we were completely new to everything and they were always there to answer any questions we had. Many times we spoke with them after business hours - they really cared about our experience. We had a quick and easy closing without any issues. We will definitely look to Scott and his team in the future.

Emily Z. - Jan 20, 2015

Scott and his team are very efficient. They make sure that everything is smooth from beginning to end. They are also very responsive.

Lina K. - Feb 20, 2015

Scott, D'Andria and Leighann were wonderful. They made this experience so easy and stress free. I like the fact they were able to keep us informed every step of the way. Thank you guys. Keep up the great job.

Tracey P. - Feb 18, 2015

Extremely helpful in our first home buying process! Thankful for Scott and his team!

Chandler P. - March 16, 2015

Great experience with Scott and his team...Would recommend them to others and use them again myself.

Richard B. - April 22, 2015

My husband and I just bought our first home. Scott and the rest of the team were so great! The entire team was very responsive any time we had questions and they explained every step of the process and exactly what they needed us to do. As a first time buyer, I would highly recommend Scott and the rest of the team at Guaranteed Rate!

Audrey O. - July 12, 2015

Scott and his team were great communicators throughout the process of buying our home in Greenville, SC. Our rate was more than competitive and Scott is great to work with. Highly Recommended!

Ryan P - Oct 16, 2015

About Scott

I provide comprehensive mortgage solutions with a high degree of trust, knowledge, respect and convenience. With many years and a wide range of experience in the mortgage industry, me and my team stand ready to assist each and every step of the way. "You only think about home financing a few times during your life, we think about it every single day. It's your home and your future. It's our profession and our passion. I look forward to serving you and your real estate financing needs."

Away from the office, I enjoy time with family, cooking, golf, Gamecock sports and "fantasy baseball." My key to success is hard work, a positive attitude and a passion for assisting others in achieving their goals.

Me and my wife, Sylvia, reside in Simpsonville, SC with our 2 teenagers, Sydney and Hampton.

Clemson University - MBA, University of South Carolina - BS

Scott interview Q&A

How long have you been in the mortgage business? What awards have you won?
Over my 19+ years in the mortgage industry I have personally managed over 2,200 successful real estate closings. I have been ranked the #1 Originator in South Carolina for 4 of the last 6 years and have been recognized as a Top 200 Mortgage Originator in the US by Mortgage Executive Magazine, Origination News and Scotsman Guide. Prior to joining Guaranteed Rate, I had a successful 15 year run with my own Mortgage Brokerage, Horizon Financial, Inc.
What advice would you give new or first time home buyers?
Get preapproved prior to starting your home search. This will be a thorough review of your assets, credit and income. Preapproved borrowers are attractive to potential sellers. Sellers donýt need to worry if they accept your offer, you could be turned down for a loan. Also, you may be able to close more quickly than another competing buyer, because you have already completed the time-consuming process of being approved for your mortgage.
What can borrowers do to insure a smooth mortgage underwriting process?
#1 Submit a bullet proof application. Disclose everything. All monthly income sources, income losses, ownership in other properties, self employment, etc. Nothing is irrelevant to an underwriter. # 2 Be responsive to your lender and return all requested items within 24 to 48 hours.

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