Scott Morse

Loan Officer

NMLS ID# 274153 | DRE# 01135744

858.922.3575
[email protected]
11234 El Camino Real, San Diego, CA 92130

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I am your community mortgage banker since 1992! I enjoy this business and absolutely love helping my community of clients, friends and partners build wealth through owning real estate. Evaluating the mortgage process can be daunting and quite complicated depending on your situation. I pride myself in breaking down the process to make it easy to understand and creating a clear opportunity for you to save money and build wealth through all of your real estate holdings. One of my pillars of operation is that you can sleep at night and make your payments knowing your money is working for you!! I look forward to working with you.

Serving: AZ, CA, CO, FL, ID, IN, KY, MD, NC, NV, OH, OR, SC, TN, TX, VA & WA

Resource & Guides

Get Pre-Approved

Wondering how much home you can afford? Getting pre-approved for your next home loan gives you a clear picture of your buying power before you start shopping. It helps you set realistic expectations, target the right price range, and make stronger offers when you find the home you love. Pre-approval also gives you an advantage in competitive markets, showing sellers that you’re a serious and prepared buyer.

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Refinance Your Home

Refinancing your home can be a smart way to reach new financial goals, whether you’re looking to lower your monthly payment, shorten your loan term, or access your home’s equity for cash. Life changes, and your mortgage should be able to change with it. By reviewing your current rate and exploring today’s programs, you could save money, build equity faster, or create extra flexibility in your budget. Let’s explore your refinancing options and find the best fit for your needs and long-term plans.

Simplify My Finances

Down Payment Assistance

Buying a home can feel overwhelming, especially when it comes to the upfront costs. The good news is that there may be down payment assistance programs designed to help, and many people do not even realize they qualify. Taking a moment to explore your options could make a big difference in how soon you are able to buy. See what help is available and take a simple step toward homeownership.

Find Assistance

Understanding Reverse Mortgages

A reverse mortgage can help homeowners aged 62 and older access the equity in their home without monthly mortgage payments. Learn how this unique loan option works and whether it’s the right fit for your retirement goals.

Learn More About Reverse Mortgages

Right-Size Your Home

Right-sizing your home is about finding the perfect space that has just the right amount of room for you and your family. While this may mean upsizing or downsizing, I will help you determine what meets your goals. Working with me means finding a place where you can feel a sense of belonging.

Get Started on Right-Sizing

Start Smart

Share a quick snapshot of your budget and goals, and your loan advisor will set clear process expectations.

Get Pre-Approved

Apply online, upload documents, and after review and verification, receive a pre-approval letter to strengthen offers.

Finish Strong

Once your offer is accepted, we streamline underwriting to closing, then you sign and get your keys.

Meet My Team

We make it happen by combining our expertise, dedication, and personalized approach to ensure your dream home becomes a reality.

Sarah Ramey

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Jodi Ferrell

Loan Officer Assistant

Kelson Penn

Production Partner

Mortgage Blog

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I am authorized to do business in the states of Arizona, California, Colorado, Florida, Idaho, Indiana, Ohio, South Carolina, Tennessee, Texas, and Washington. AZ Mortgage Banker Lic# 0949934; AZ Branch Lic. #0947596; RWM Home Loans AZ Lic. #0947596; Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act 

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