Scott Schuhwerk Headshot

Scott Schuhwerk

Mortgage Broker · NMLS #381758, DRE #01883618

65 clients rated their experience. Here’s every word.

Here’s what buyers, homeowners, and agent partners say about working with us.

4.98
★★★★★65 reviews · 98.5% five-star
★★★★★Google ↗

"I had an exceptional experience working with Scott Schuhwerk. From the moment I was in contact with him, it was clear that he was knowledgeable and dedicated to providing the best service. He took the time to thoroughly explain all my options making sure I was well-informed and confident in every decision. His professionalism, attention to detail, and patience truly set him apart. Scott went above and beyond to ensure I got the best mortgage deal, and I couldn’t be more grateful for his help. He made the entire process smooth and stress-free. I highly recommend Scott Schuhwerk to anyone looking for a dedicated, knowledgable and expert mortgage broker!"

Gail GFeb 2025
★★★★★Google ↗

Scott is super insightful, helpful, and committed to finding the best options available for his clients. He helped me secure a loan with terms I didn't even know was possible. I've had the pleasure of working with Scott on multiple transactions over the years and highly recommend him and his team!

Robin SteinhoffDec 2024
★★★★★Google ↗

I have used Scott for home purchases and refi's. He and his staff are top notch. They made sure we were always kept up to date with the process as we were navigating through it. He has and continued to earn my business for all of my financing needs!!!

David KellyOct 2024
★★★★☆Verified Client

The team was helpful as i am a first time home buyer.

WilsonJun 2023
★★★★★Verified Client

Personal, handled tough questions and brought forth several refinance options for us. I will continue to work with Scott because of his focus on the me as the customer.

Matthew N SmithMar 2023
★★★★★Verified Client

Scott and his team were very helpful and provided me with information and recommendations that allowed me to make good decisions during my home buying process.

Peter FannoFeb 2023
★★★★★Verified Client

Scott was amazing to work with! He made sure he understood my needs in a mortgage and helped me through every step of the process. Thank you so much for making this part of the home buying process easy and stress free!

GinaJan 2023
★★★★★Google ↗

Scott was amazing to work with! He understood what I needed in a mortgage and worked hard to make the home buying process as smooth and easy as possible. Thank you so much for your help and making this part of the process stress free!

Gina ParkerJan 2023
★★★★★Verified Client

Very smooth experience. Great service and communication!

Carla LaytonDec 2022
★★★★★Verified Client

Scott was wonderful with communication and it was a smooth transaction for all!

Heather WingateNov 2022
★★★★★Verified Client

Although I would never say the mortgage process is pleasant (feeling like I’m living under a microscope), Scott certainly made the process bearable. His response time to e.mails and phone calls was exceptional. He is great with keeping me updated and answering my questions. I never felt I was getting “double speak” from him.. I have relied on Scott for multiple mortgages and will continue to.

Jacquelyn BlairNov 2022
★★★★★Google ↗

Great service. I tried to buy a house last year and I use a bank and cannot qualify. With Scott they have multiple lenders and they match my financial situation with the available institutions. I got my loan I got my house thank you again

Andy MarceloOct 2022
★★★★★Verified Client

Scott and his team’s communication was consistent and kept us in the loop from beginning stage to end of escrow .The team is very knowledgeable and helpful. I will work with them again in the future

AshOct 2022
★★★★★Google ↗

Communication and very timely .

Ashlyn B.Oct 2022
★★★★★Google ↗

Very positive experience. Scott Schuhwerk and his team are friendly and walked us through every step of the loan application and process. We had some urgent questions before we put an offer on the house on the weekend. He tried his best and scheduled a call and answered our questions on Saturday morning. We also got a competitive rate and completed our purchase on time.

Vincent WuOct 2022
★★★★★Google ↗

Fantastic experience working with Scott and team, highly recommend for all lending needs. The communication was great and professional all the way through the process.

Howard ChouAug 2022
★★★★★Verified Client

Scott and Melissa are extremely helpful and kind people. My family and I loved working with them.

Avina KliatchkoMay 2022
★★★★★Verified Client

Scott was A++ to work with in every aspect! Communicative, efficient, effective, available, pleasant; he definitely exceeded my expectations!

Leah BrownMay 2022
★★★★★Google ↗

Scott and his team were great. As buying a house is one of the most stressful and confusing transactions, Scott and his team took time to talk us through the entire process. I would even say that they hand held us through the process with all the questions we would ask. They were always available as they communicated to us through phone calls, text messages and emails. I can't thank Scott and his team for helping us purchase our "forever" home.

Derek ChanMay 2022
★★★★★Google ↗

Scott Schuhwerk at United Wholesale Lending is one of the best Mortgage Brokers that I have ever worked with. He is proficient, professional, conscientious, and so is his friendly team. He definitely takes pride in his work and takes great care of his clients. I would say he is a Doctor in the Mortgage Broker industry. He has the knowledge to examine all situations and determine a solution with great results. The online application process was simple and all communication was done via email. My loans closed on time as promised with the best rates that I can get. Scott Schuhwerk and team made my experience feel flawlessly and I have already referred him to my friends and family. Thank you and Highly Recommended.

Blong VueApr 2022
★★★★★Google ↗

Five star experience -- highly recommend!! Scott and his team were exceptionally organized, timely, and communicative. Beyond meeting/exceeding all contractual deadlines (which is not to be taken for granted these days!), Scott took the time to have a personal conversation with the listing agent when submitting the competitive offer, and also thoroughly explained concepts along the way such as the impact of volatility in the bond market when it came time to successfully lock a lower rate for our clients. This showed me he truly cares as much as I do, and makes him a partner to whom I will continue to refer clients and look forward to working with again soon!

Emily FogartyApr 2022
★★★★★Google ↗

Amazing mortgage broker! Scott is one of the most hardest working and detail oriented mortgage professional we have ever worked with. He strived to provided great communication throughout the process and has closed multiple refinances for our immediate and extended families. If you want a great rate/loan product and best in class service contact Scott! Thank you for your service Scott; you're the best.

dustin ogdenApr 2022
★★★★★Verified Client

Scott is a wonderful resource and I think of him first any time my clients needs his services. My clients always thank me for referring them to him and are pleased with how professional, efficient and helpful he is in providing them with options. Scott is incredibly responsive, pleasant to work with, and helps his clients close with the best rate possible!

Bryanna Brandalesi DiRoccoApr 2022
★★★★★Verified Client

Scott is everything you need your lender to be! He puts together the BEST loan for your customers & delivers on a quick, smooth closing each & every time! Couldn’t be happier with his service.

Sheila McAlister~Apr 2022
★★★★★Verified Client

We have done several loans through Scott, each experience has been fantastic. He is extremely knowledgeable, efficient and trust worthy. I am more than confident referring friends and family to him.

Kim OgdenApr 2022
★★★★★Google ↗

We’ve worked with Scott now twice and Scott is responsive and thorough. If he’s not able to help in the moment, he employs a colleague to assist us. He’s been very professional.

D. TiricApr 2022
★★★★★Google ↗

Scott is a great mortgage broker! His communication, responsiveness and timeliness is excellent. We have partnered with him for multiple loans and plan to partner more in the future. — Melissa Cella

Melissa CellaApr 2022
★★★★★Verified Client

Getting a refinance was painless and done within 3 weeks. Scott was very personalabe and helpful when answering my questions. He responded to everything within a day and move the process through. I would absolutely recommend him to a friend

Sean MooneyMar 2022
★★★★★Verified Client

Scott made our re-fi a good experience. He was able to get us a low rate. Closing was fairly painless too. If you need a great lender who will get you the best possible rate and walks with you through the entire process, then Scott is the guy you need to contact.

Sandy and Pat RomeroMar 2022
★★★★★Verified Client

Scott and his team stays on top of it! Gets everything done in a timely manner. They were able to help me close with in 5 days! Scott is very responsive as well. Will definitely be working with him again in the future!

Lisa SaechouMar 2022
★★★★★Verified Client

Scott and his team were very helpful and kept me well informed as my application progressed. I would be happy to recommend Scott to a friend.

David HolderMar 2022
★★★★★Verified Client

Best realtor

Lino zavalaMar 2022
★★★★★Verified Client

Provides good service

DJMar 2022
★★★★★Verified Client

Thank you! We wouldn’t have our home without you. A very nice experience and always keeping us in the loop with great updates. Thank you so much for the great service.

Joe FilstrupMar 2022
★★★★★Google ↗

I met Scott through a friend. Scott was able to provide me with a lot of information about the home buying process. He spent hours on the phone with me and always took the time to explain everything to me. I would definitely work with him again.

phat andy dangMar 2022
★★★★★Google ↗

Very transparent and trusted lender. Will recommend him for any mortgage loan seeker!

SHAILENDRA PAGAYMar 2022
★★★★★Verified Client

Working with United Wholesale Lending and Scott Schuhwerk was a delight. I've refinanced in the past with other companies and it was a nightmare dealing with all the paperwork.

Scotts team made it a very simple process. My loan closed much faster than anticipated, the team treated me with respect and curtesy. And, I got a rate lower than originally planned.

I highly recommend Scott and his team.

L CristmanMar 2022
★★★★★Google ↗

Scott and his team are amazing at what they do. They are very organized and close loans quickly and efficiently. I use Scott for my personal properties, and I'm a divorce attorney and only refer my clients to him because I know he will get the loan done. My clients always have nothing but great things to say about Scott and their loan experience with him.

Josh MillerMar 2022
★★★★★Google ↗

I had three loan mortgages done by Scott within the last year and a half. Each time he and his team were very friendly and professional. The whole process was done on line and reaching Scott by phone was easy enough. In addition, I got the best rate at a low cost. Closing was finished in less than 30 days. I would highly recommend Scott and will use his services in the future.

edgardo isidroMar 2022
★★★★★Verified Client

I have had a few very successful loan experiences with Scott. The latest one was very cumbersome, involving boundary transfers, which got bogged down in County offices. Scott made innumerable calls and E Mails to push it along. As long as it took, Scott never failed to give me his full effort. I cannot recommend him more highly. He is fully committed to taking expert care of his clients!!!!

Rodney TonerMar 2022
★★★★★Verified Client

Great to work with. My wife and I made our first home purchase and was recommended to contact Scott from United Wholesale Lending. Hist team and him were easy to work with. They led us and followed through with fast and reliable communication during the whole process. We asked a lot of questions due to being a first time home buyer. Thank you for everything and helping us secure our first home. =)

Andy TranMar 2022
★★★★★Verified Client

Scott was great helping us with our loan. He has a fast response time and is available for questions. He got us the lowest rate possible and kept an eye on the market trends to make sure we were locking in our rate at the right time. We would use him again if we buy another house!

Sydney EdwardsMar 2022
★★★★★Verified Client

Definitely I will spread the word around. Its all done in a timely manner. Cant beat that closing of escrows for the sale and purchase is just a matter of a day after the other.

Jeremia E. DimaculanganMar 2022
★★★★★Google ↗

Easiest refi we have ever done. Scott and his team were always there to answer our questions. The application and all paperwork was done online. With the lower rate we received we were able to combine a 1st and 2nd and still lower our payment. We would highly recommend Scott for all your loan needs.

Laura DuncansonMar 2022
★★★★★Verified Client

Our experience with Scott was wonderful. He walks you through every step of the process and highlights potential road blocks and provides different options. We felt confident and taken care of when we worked with Scott. If you’re looking for a trustworthy and experienced mortgage broker who makes the process easy I highly recommend reaching out to Scott today!!

Mayra RiosMar 2022
★★★★★Google ↗

Our experience with Scott was wonderful. He walks you through every step of the process, highlights potential road blocks and provides different options. He’s very quick responding to your emails, texts and calls. We felt confident and taken care of when we worked with Scott. If you’re looking for a trustworthy and experienced mortgage broker who makes the process easy I highly recommend reaching out to Scott today!

Mayra MoralesMar 2022
★★★★★Verified Client

Scott and staff are professional and so efficient in what they do things are done in record time. Scott is always Available to help with questions and to provide any documentation needed.

Martha FordMar 2022
★★★★★Google ↗

Had a very good experience with Scott and his team. My refi was smooth since my current mortgage was with this company already and all my information readily available. They were pleasant and efficient. I was always kept aware with phone calls and quickly answered questions. I completed everything on line, and the notary came to my house to close. All went well and on time. I would work with Scott and his team again with confidence.

Rochelle VandiMar 2022
★★★★★Google ↗

Scott and staff are professional and provide service in record time. Scott is always available for questions and document needs.

Marty FordMar 2022
★★★★★Verified Client

Great communication skills and always available to answer any questions.. highly recommended

Omar DyabMar 2022
★★★★★Google ↗

Scott Schuhwerk was awesome. Always gets it done, and exceeds my expectations.

Chad MillerMar 2022
★★★★★Google ↗

No one works harder or provides better service than Scott

Cory CarpenterMar 2022
★★★★★Verified Client

Very smooth process. Scott and his assistant Melissa are very helpful and knowledgeable. My family and I love our new home!

Avina KliatchkoMar 2022
★★★★★Verified Client

Scott enabled my School-teacher daughter, to re-fi her home loan into one affordable for a single Mom, (housing and caring for four teen-agers), was able to afford. Since I had bought, re-fied and sold many home in my 23 yr military career, my daughter asked Scott to review everything w/ me, all the way along. He did, gladly and candidly. Bottom line: best loan and service,I by far, that I had ever been involved with.

Paul T. Fisher, Col. USAF, (Ret.)Mar 2022
★★★★★Verified Client

Smooth and efficient

RtMar 2022
★★★★★Google ↗

Very proactive team that is sensitive to your needs. Worked with me until all mortgage requirements were fulfilled. Took extra steps in securing my VA requirements after my contingency sale fell through. Thanks to a hard working team that cares.

Dave BunkerMar 2022
★★★★★Verified Client

We can’t thank Scott and Melissa and team for all the work that they did! They literally made everything so easy and answered every question that we had along the way. Thank you so much!

Evan and Katelyn SeeversMar 2022
★★★★★

We cannot speak highly enough of our experience with Scott Schuhwerk at United Wholesale Lending. We were recommended to Scott and his team by our realtor and could not have asked for a better buying experience. We were buying our first home and were not sure which lender to go with, but we definitely wanted to take advantage of the low interest rates and get into our new home as soon as possible without any problems. We started off knowing nothing about the process, but Scott took the time to answer all of our questions without hesitations and was VERY knowledgeable and prompt. His professionalism, knowledge, charisma, and hard work ethic were everything we could have every asked for in our loan officer. He was also a very honest man which I feel like is hard to find in his field of work, but if you came across this review then you have just found one :). He told me upfront the estimated dollar amount I would need in my bank to get the house and also broke down all the costs including items I could “shop around for” in order to compare lenders and services. Scott made us feel like we were his only clients even though we knew that this was not the case. He responded to every email (almost faster than I can refresh the page) and answered every phone call regardless the hour. We bought our house in a VERY hot market which required us to shorten the closing date from the average 30 days to 22 days and also offer significantly higher than listing price for the home but our real estate agent had been working with Scott for a very long time and was certain he would be able to help us close. A couple days before our estimated closing date we got our appraisal back and it was lower than our offer, Scott worked with us and was able to get us the house without paying any extra out of pocket AND we closed on time! He is honestly AMAZING. Prospective Client: If your reading this review, your probably shopping around for loans. Don’t waste your time, I’ve already done it and United WholeSale lending with Scott Schuhwerk as your loan officer is the best option. United WholeSale: if you see this review please give this man a raise. Scott: I cannot thank you enough for all your hard work in getting us our dream home. THANK YOU, you are absolutely amazing! :)

Anita VinjamuriJan 2021
★★★★★

He is great at what he does.he moves mountains to get you the best rates. highly recommend him. my first go to when refinancing.

Matthew WescottFeb 2015
★★★★★Zillow ↗

Scott was great to work with. As a first time home buyer I had a ton of questions and didn't know what to expect, Scott put my mind at ease and answered all of my questions professionally and thoroughly and made me comfortable with the mortgage process. My family and I had a very tight timeline to close escrow, and we ended up getting a great loan and closed in three weeks. Scott & his team’s efforts are much appreciated, and I would recommend Scott to anyone.

Jason PrimerOct 2014