Scott Edwards
Loan Officer | NMLS# 1097143
At Lower, LLC we understand the importance of home financing. We have the knowledge and experience you can count on to deliver a simple and hassle-free lending experience. Whether you are buying your first home, refinancing or moving up, L... Show More
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Business Hours
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9 AM to 5 PM
Thu
9 AM to 5 PM
Fri
9 AM to 5 PM
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Scott " THE MORTGAGE DOCTOR" and his team of professionals are over the top! They deliver beyond expectations! Realtors can only marvel at their product, performance and funding! Get ready to experience excellence!
Scott \ THE MORTGAGE DOCTOR\" and his team of professionals are over the top! They deliver beyond expectations! Realtors can only marvel at their product
Other than being somewhat difficult to get a hold of at times, but I did purchase a house during covid times, so no offices were open so that is to be expected. I am very pleased with my experience. I needed a little more cushion on my loan...
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Reply from Scott Edwards
December 8th, 2025 09:48 PM
I meant to respond to this awhile ago, noticed I had not yet so wanted to say thank you for the kind words! Hope all is well! We are having a summer bash August 6th in Santa Clarita so would love to have you there!
Other than being somewhat difficult to get a hold of at times, but I did purchase a house during covid times, so no offices were open so that is to be expected. I am very pleased with my experience. I needed a little more cushion on my loan...
read more
Other than being somewhat difficult to get a hold of at times, but I did purchase a house during covid times, so no offices were open so that is to be expected. I am very pleased with my experience. I needed a little more cushion on my loan...
read more
The experience I had working with Scott was like no other. The ease of everything, from accessing the clients file to update the Pre-Approval letter to the full loan approval process was very attention to detail and as easy as it comes. He...
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He found a way to make our portfolio look good. He was honest and we always felt he was on our side and truly wanted to help us get a home. He built trust from the very beginning and he delivered.
the process was very easy to complete
When we started house hunting, we were discouraged because of the market, prices, and just the cards didn’t seem to be stacked in our favor. Our realtor told us to not give up hope and told us that what we needed was “The Mortgage Doc,” because...
read more
When we started house hunting, we were discouraged because of the market, prices, and just the cards didn’t seem to be stacked in our favor. Our realtor told us to not give up hope and told us that what we needed was “The Mortgage Doc,” because...
read more
Reply from Scott Edwards
December 8th, 2025 09:48 PM
Hooray!!!
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About
At Lower, LLC we understand the importance of home financing. We have the knowledge and experience you can count on to deliver a simple and hassle-free lending experience. Whether you are buying your first home, refinancing or moving up, Lower, LLC offers a wide variety of mortgage products suited to fit the needs of our clients. With our industry-leading customer service, we’re sure to find the home financing that is right for you.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Mortgage Refinance
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Addresses and Serving Areas
Primary Serving Area
Other Serving Areas
Year Started
2002
Time Zone
Eastern Standard Time (EST)
Licenses
- NMLS# 1097143
Disclaimer
© 2026 Lower, LLC | NMLS ID# 1124061 | 5950 Symphony Woods Road Suite 312 Columbia, MD 21044 | Equal Housing Opportunity | https://nmlsconsumeraccess.org/ | Not an offer of credit or commitment to make a loan; all approvals are subject to underwriting guidelines including but not limited to acceptable current credit worthiness, income history, debt ratio, etc. Loan programs & options are subject to change at any time. Rates will vary depending on your loan term, loan type, credit profile, down payment, and qualifying ratios. Rates can change daily. Some restrictions may apply. Lower conducts business in 47 states for licensing information please visit - https://www.lower.com/legal/license-information.