Jason C Scott

Branch Manager/VP of Mortgage Lending
98-199 Kamehameha Hwy, Unit C-01, Aiea, HI 96701
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NMLS: 1160791
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We would like to say a heart-felt thank you to Jason and his Team. They gave us a Friendly,Caring, and Professional Service for our home-buying experience. It made the usually stressful process so much more enjoyable. Thank you all for all your help, and patience.

Bubba Earl and Hsi | 2018

Jason is awesome, I am very pleased with his service and appreciate him taking the time to explain the whole process of buying a home, since I am a first time home buyer. I would recommend Jason any day! Thank you!

Justin C. |September 2018

Jason Scott and his team made the very stressful process of buying a home simple. This is the first time my wife and I have bought a home so we really had no idea what to expect and how this all worked. Our realtor introduced us to Jason and from day one we felt so comfortable with him. He made his self available by phone pretty much all the time and if he didn't answer right away he always called us back. Anytime we felt stressed or overwhelmed he was always there to help us stay focused and...

Jesse M. | August 2018

Jason and his team are hands down the absolute best! We are extremely pleased with all the hard work they did for us. He was able to make adjustments at the drop of a dime to accommodate us and help us fit our budget. Jason is a pleasure and he truly cares about his customers. I highly recommend choosing him and his team!

Derek T. | August 2018

Jason Scott and his team are incredible! He really cares about your best interest and goes above and beyond to get you your best rate ! My husband and I are extremely pleased with the services that were rendered. Thank you!

Megan T. | August 2018

Jason and the whole team made things so smooth and easy!! Can’t imagine buying a house with anyone else! We will be recommending to anyone we know interested in buying a home.

Brady B. | July 2018

You guys made it easy and less stressful for me and my family. Thank You Very Much

Antonio T. | July 2018

You made our transition easy and very professional. You answered all our questions and guided us on each step. Mahalo Nui Loa to you and your staff. I would highly recommend you.

James and Judy T. | June 2018

Jason C. Scott, the loan officer and Branch Manager, was sent from heaven. Everything he did for us was a blessing. He was always compassionate, energetic and very friendly in person, as well when I needed to talk to him on the phone with a question. After our loan was completed, he sent something I believe called "important things to remember" (filing for our property tax exemptions). I have never had this guidance from my previous mortgage loan company. Not only is he a super number one...

Melvin P. | May 2018

Jason and the whole staff have been nothing but true blessings to me and my family. The professionalism they carry is unbelievable! They are always on top of what they do, going beyond our expectations, and most of all, making us feel comfortable and letting us know that Guaranteed Rate is more then just an ordinary Lender. They make us feel we are family and we're all in this together. #MahaloJason #MahaloGuaranteedRate

Lincoln N. | April 2018

Jason C. Scott and his team exceeded all of my expectations. I was thoroughly pleased with the whole process and was educated along the way. This was my first time purchasing a home, and he made everything about it seem easy and stress-free. I can't thank him enough!

James B. | March 2018

Jason and his team do a great job keeping you informed during the process.

Solomon C. | November 2017

I have worked with Jason Scott in the past. He is a man of great integrity. I am a home owner today because of his guidance and advice.

Doug P. | October 2017

Jason kept us informed and worked with us to get the best loan for us. I would work with Jason again and would recommend him to anyone who is looking for a loan.

Jean B. | September 2017

This was our first time buying a home, and we couldn't believe how smooth the entire process was because of Guaranteed Rate. The entire team is amazing, Jason is the man, and we look forward to keeping in touch and recommending you guys to others, as well. Thank you!

Samad K. | September 2017

Team was phenomenal, and they aided me in accomplishing the tasks necessary for me to obtain my loan and Finally Close on my house.

Zachariah C. | September 2017

The professionalism displayed by the staff and loan officer was top-notch.

Ar-Raheem E. | September 2017

Jason Scott did an exceptional job.

Donald A. | August 2017

I definitely would use Guaranteed Rate for a VA loan again. Jason Scott made the primary difference in my home buying process. He provided a detailed explanation every step of the way. The combination of timely updates and availability to answer questions assured me that I can count on the GR team. I would tell every Veteran to see Jason Scott at Guaranteed Rate for a mortgage loan. I was extremely comfortable through the whole process. I strongly believe our ability to close escrow in less...

Ferman C. | August 2017

Excellent service all along the way. The updates helped during a stressful time, and the team really did everything they could to close quickly and get us the best terms. I feel extremely valued as a customer, which usually isn't the case for something like a mortgage. This kind of service only happens a few times in someone's life.

Christopher T. | August 2017

Everyone here made the process fun for us and kept constant contact to let us know what was going on and answer our questions. Jason and everyone else actually cared about helping us.

Corey B. | August 2017

Jason and his team really worked with me through the whole process. Even when I was away, they were patient and made everything easy for me, while keeping my family's best interests at heart. Loved the DocuSign process; it made it easy while I was away. This team was amazing, and I already have recommended some of my colleagues to come and check them out. Felt like family!

James C. | July 2017

Mr. Jason answered my many questions and helped in anyway possible until my loan was finished. Thank you so much Mr. Jason & Guaranteed Rate!

Kyoko J. - 5/19/17

I would recommend Jason to everyone, he made this experience super easy and is a great guy.

Travis B. - 5/12/17

Jason was truly phenomenal and I would recommend him to anyone. He made time for our needs and got things accomplished faster than we anticipated. He is a true gentleman, scholar, and exceeded our expectations. He is a great representation of this company and sets himself apart from his peers through his professionalism. Couldn't have had our asked for more from this experience. Thanks Jason!

Omar P. - 5/24/17

Jason and his team are awesome and explained anything that I had a question about.

Dechandra J. - 5/16/17

Jason was amazing. He was there every step of the way and even helped us with getting our finances in a better situation for the purchase. He was always honest and straight forward which is how we work and therefore he was very easy to work with.

Amber C. - 4/28/17

Jason was awesome. He said he would let us know as soon as it was possible to refinance. He contacted us so fast it was great. The process was quick and easy. We also love how Jason knows us and our family. He makes the experience more like getting together with family. Would HIGHLY recommend!

Adrian M. - 4/18/17

AMAZING!!!!!!! Jason and his team will work as hard as possible to make sure they can get you into the home of your dreams. The mountain his team climbed to give our family a home of our own, was miraculous. I HIGHLY recommend Guaranteed Rate of Aiea for any and all of your home purchasing, refinancing, and selling needs. They will fight hard for you through the entire process! I can't say enough great things about this company.

Danielle M. - 4/20/17

Jason Scott and his team was extremely helpful, easy to work with, gave me all the information up front, and guided me through the process the whole way.

Solomon D. - 3/27/17

Jason is a true professional and loyal to our military community. He went above and beyond to make sure our experience was smooth and without hitches. My husband and I extremely are impressed with his work ethic, skill, and knowledge.

Manushka A. 12/28/14

Jason did a great job for me and my client! Mahalo nui, Jason!

Moana A. - 12/30/14

Jason Scott helped immensely with buying my first house. Jason broke down the steps clearly and step by step. He would call me on Saturday's to see how I was doing. And during the week he always called making sure the realtor is pushing and looking. I never thought I could buy a house and down a piece of land I grew up on. Jason and his team made it possible

Henry K. - 1/15/15

I have know Jason for about 4 years. He is one of the most true and honest person I know. He always has the best interest of others ahead of himself and all he cares is for everyone to be setup for success. Thank you for all your help brother. Nice to see that people like you are still around in this nasty world of ours. My family thanks you for everything and God bless.

Wilfredo S. - 1/20/15

I have the utmost respect for Jason, both as a professional and as a person. His character is above reproach and his dedication to task and result in unequaled. If you are seating for a partner, both in business and as a life mentor, Jason is someone I would be honored to be associated with.

Rick H. - 1/26/15

Jason worked to help me obtain my first home loan with little effort on my part once my offer was accepted. The process was painless and very easy. Within 2 months after closing Jason then contacted me regarding an early refi because the rates had dropped more than .5%. I was able to refi with very little cost and dropped my rate from 4.25% to 3.5% and my total mortgage dropped ~$170 a month. I have already recommended Jason to a friend and will do so again.

Jeffrey B. - 3/15/15

Jason gave me hope when I thought I wouldn't be able to obtain a mortgage. He encouraged me to keep going through the process and found ways to get my loan approved. I am a homeowner today thanks to the help and support of Jason Scott. I would highly recommend him to any veteran looking to buy a home.

Doug P. - 9/14/15

Outstanding assistance with getting my very 1st home loan. Jason walked me through the process with no hassle at all, provided detailed information for any question I had, and responded no matter the day and time!!! Great to work with and I highly recommend you get in contact with him!!!

Marlon P. - 3/8/15

Jason has been so helpful throughout the house buying process! It was our first time buying and we had tons of questions and worries. Jason always explained things in a way that helped us feel confident with every decision we made. A few months after we had bought our home, Jason called with news that interest rates were dropping and we might be eligible. In just a few days he had us ready to sign for a lower interest rate. Jason is a great guy all around. We highly recommend him.

Destiny and Phillip J. - 9/14/15

I called Jason to help me with a deal I was working on for my Uncle who was at the time in the VA hospital. My Uncle is a Ret Army Captain from Vietnam and I needed someone that could relate to him in the fashion is used too, meaning someone that would tell him exactly how things were and not what they thought he wanted to hear. Jason was that guy, after telling Jason my Uncles combat experience Jason knew he needed to be, to the point, no BS, and my Uncle instantly trusted him. I live on the...

Kelly C. - 9/14/15

If you are a veteran and looking to buy a house, go see Jason Scott. He is attentive to your every need and will never stop working for you. It has been two months since we closed on our place. We still continue to talk in order to make sure that my house and VA loan are what is best for my family and I. He is a welcoming guy whose drive for success is only outdone by his passion to help his fellow veterans. If you want the house of your dreams, Jason Scott can make it happen.

Nicholas R. - 9/18/15

"Jason Scott and his staff are a high powered group of people that understand ""people"" and can get the job done."

Bob D. - 9/22/15

Loan Officer Extraordinaire is the new title for Jason C. Scott. He has single-handedly delivered me from the pit of despair when I naively rushed into purchasing a dwelling that was not conducive to my physical needs. When I thought I had to resign myself into staying there for one year, he assured me that I need not and is now assisting me in seeking out my future home. He also managed to get my interest rate down to where I won't have to make a mortgage payment for two months! To have...

Ann Aiko N. - 9/22/15

Jason did an outstanding job in handling our VA Loan. During the whole process, we were always kept abreast in each step of the process. He also took the time to educate us on the nuances of the VA Loan, without him, we would have no idea what we would be signing. Jason is also passionate about his job. His demeanor towards us was always inviting and energetic. I had no doubt on his ability as a loan officer, and he delivered exceeding our expectation. I know that even after the transaction is...

Steve Z. - 9/22/15

Jason is the best. Cares so much and treats you like a buddy. Will call, text and email anytime. Stay in touch. Your the best! BOOM!!!

Steven D. - 9/22/15

It's an awesome feeling to purchase your own home. But when you are being guide by someone who loves their job and put you the customer first, you feel like your walking on stars. Thanks Jason, you were awesome. Boom!

Conrod & Dorcia B. - 9/23/15

Jason was great! He was knowledgeable, answered all of my questions, and honestly the fact that he's active duty military meant that it was easier to relate to him, for me at least. I appreciated his attentiveness as well! Thanks a lot!

Alexis L. - 3/7/17

Jason and his team did an outstanding job ensuring all my needs and concerns were addressed. His knowledge of the VA Loan process was so refreshing, especially since it was the first time I ever used my VA Loan entitlement. From the pre-approval to the final paperwork required to finalize my loan, his team took the extra time to ensure all required title and loans requirements were met in a timely manner. This was especially helpful to me due to the fact that I was doing the whole process from...

John N. 9/24/16

From the very beginning, Jason offered a very welcoming, caring, motivating, and knowledgeable presence to our family as we set out for the VA home loan approval. Being first time buyers, there were many questions, and some doubts and worries, but Jason was always there to answer and provide proof that this was a goal we could not only accomplish, but succeed at, both financially and personally. He stayed on his toes the entire process, contacted us daily with updates and extra documents...

Ben and Lyda C. - 9/24/15

In buying our first home, to say that we were excited and nervous is an understatement. We could not have had a better experience! Jason was the best person in the world to walk us through it. His passion is tangible. His knowledge was beyond, he was so wonderful to walk us through every step of the way. Answering any questions we had, and he was always there for us to help with any decisions we needed to make. I can't say enough great things about him and I'm positive that any future home...

John and Laura S. - 3/3/16

So, I know what you're thinking; this guy just got a five-star review across the board, must be bull, right? Wrong. Jason is the best mortgage-guy I've ever used. He's fast, will call you back right away even if it's not standard hours, and frankly a good guy. His military service especially makes it great in the fact that he understands fellow service members and what we go through. Extremely highly recommended. If I can do business with him again, it's happening. Thanks Jason!

Alexis L. - 5/19/16

From Day 1, Jason has provided information immediately and accurately. He gave us the homework we needed to do to have a smooth home purchase. Jason was very personable and made us feel like family. Giving us straight answers is what we wanted, whether it was good news or something had to be worked on. He also was extremely helpful in helping us obtain my wife's VA COE that she deserved. We worked many avenues, but ultimately his perseverance with his contacts enabled us to get over the hurdle...

Larry and Leilani M. - 5/9/16

I am writing to express my complete satisfaction with Jason Scott and His team. Throughout the entire process Jason was professional, conscientious, and motivated. I always felt as though I was his only client. Jason Scott definitely went above and beyond his job. 5 +++ stars really isn't enough to give it to him. I found Jason Scott online on the veteran loan program in Oahu.I really couldn't be happier that I found Jason Scott. Following are the things that I think Jason has been consistently...

Anthony A. - 5/10/16

One phone call, three emails then BOOM, was at the signing table! He knows I don't like to play 20 questions and already had everything laid out, ready and waiting with little to no effort on my part. I can't wait to join the team. Additionally, I am already making referrals to Jason on his behalf!

Danny J. - 5/11/16

From the moment I walked into Jason's office he was nothing but helpful and energetic in helping us in our refinance. He continued to go out of his way to ensure we were taken care of and ensured the successful completion of our refinance.

Lorenzo R. - 5/11/16

Jason is an awesome person & easy to talk to about his loan programs! I would refer him to any Proud Soldier or Veteran.

Amy S. - 6-7-16

Jason Scott always does a great job! He had helped me with two refinances for lower rates. I would recommend him to friends and family!

Aaron W. - 7/31/16

Working in the military as an Officer on a 4-star staff here in Oahu, I am constantly expected to provide 24/7 expert advice in my area of expertise for senior leadership and know I do a pretty good job at it ... so I have high expectations in my job. Jason and his team exceeds these expectations!!! Jason is available 24/7 and gets back to me usually within minutes (hours max.) for any questions I have via phone/text/email. He tactfully and diplomatically dealt with a demanding seller, and...

Donald R. - 8/10/16

Jason Scott and his team with Guaranteed Rate went above and beyond our expectations for getting us a great home loan, and even finishing it under 30 days. They made the loan process seamless, with the help of several dedicated professionals. Communication was outstanding, as all of our questions were answered completely and right away. There was no waiting around, they were on it. Their high level of service is worth commending. We would use them again.

Al B. - 3/7/17

About Jason C

Jason C interview Q&A

How long have you been in the mortgage business and what inspired you to get into it?
I’ve been in the Industry a little over 3 years. I was inspired to join based off of the service I received from my previous employer when I was a customer purchasing my second home.
Who is your typical customer and what questions do they typically have?
My standard demographic is the Veteran consumer. I specialize in VA loans. Most common question is: “I can really buy a home with no money down?”
What specific steps do you use to help your customers find the best home loan for them?
I ask a lot of questions. What is their budget, what is their 1000 meter target? How long do they plan on owning their home?
How long have you been in the mortgage business? What awards have you won?
I’ve been in the Industry now a little over 3 years. I was selected as one of the top 100 mortgage lenders in the state of Hawaii for 2015-2016.
What are the pros and cons of a fixed rate mortgage versus an adjustable rate mortgage (ARM)?
Pros for a fixed mortgage is exactly what it is: a permanent payment that is customized to your budgetary needs without fluctuation. This is a great idea if this is your forever home. Not necessarily the best fit if you plan on keeping the home less than what the market dictates. As far as the ARM products, these are great for Investors, or for owners that want to capitalize on taking advantage of a lower rate which will allow them to apply more of their budget towards the principal balance of the loan. This will also, if done right, provide more leverage when renting the property.
What advice would you give new or first time home buyers?
Do your research! Shop and compare. Actually enjoy who you’re working with. This will be the most expensive item you ever purchase until you do it again!
What part of the home loan process do customers find most difficult and how do you help them through it?
Most customers find the disclosure process to be the most difficult. That’s what I’m here for. I want to educate you on every aspect of your loan. We don’t want anyone just signing paperwork!
What are the top 3 misconceptions people have about the home loan process?
They won’t qualify, homes are too expensive, I won’t live here long enough to make it worthwhile.
What 2 or 3 mobile apps would you recommend for home buyers or house hunters, and why? What Smart Apps do you recommend your customers use for the house hunting process?
Your personalized Guaranteed Rate app. It helps you figure out what your payment could be using the mortgage calculator when viewing possible future homes. Another great website is: www.realhi.com This is a very comprehensive page that gives you a plethora of information about every listing in the state of Hawaii.
What can borrowers do to insure a smooth mortgage underwriting process?
Always communicate with your lender Team. They’re here to help you!
Summary of where you grew up: family, affiliations, college, high school, etc.
I grew up all over, however I graduated High School from Roseburg, Oregon. Did some college time in Los Angeles, and then spent 20 years defending our country in the US Army. I have multiple combat tours to both Iraq and Afghanistan. I’ve been married to my wonderful wife since 2009, two boys and six Grandchildren. Yes, that is not a typo, six grandbabies all under the age of four. Whew!
What provides you with the most satisfaction in your job as a Loan Officer?
I love watching the “light bulb” go on when I explain how easy the process is. One of my favorite quote is: “The numbers don’t lie.” When the customer actually sees in black and white that we’ve helped them buy a home based of an actual budget, it is truly something magical.
What do you enjoy doing most in your spare time when you are not helping people with their home loans?
Believe it or not, I really, really love what I do. So, I don’t look at my profession as something that is done on the standard 9-5. I literally live what I do. However, I do love spending time with my wife, my 6 beautiful grandchildren, golfing, hiking, and exploring all the wonderful attractions that Hawaii has to offer.
Tell us something that makes you unique or something wacky, yet interesting about you?
People will tell you that I am very intense and passionate about what I do. I grew up a little bit smaller than the local kids, and I think that played into how I approach life. I love the underdog, disdain the Bully, and believe in having integrity beyond reproach. With me you will always know where you stand.

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