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With 24 years of industry experience, Scott has built a strong reputation for leadership, consistency, and delivering exceptional results for his clients and partners. Born and raised in Suffolk, he continues to serve the community he proudly calls home. He is licensed in Virginia, North Carolina, Florida, and Michigan, bringing extensive market knowledge and a client-focused approach to every transaction. Scott understands that buying or refinancing a home is one of the most important financial decisions a client will make and is committed to providing clear communication, strategic guidance, and a seamless lending experience from start to finish. Scott joined OVM to embrace a new opportunity and is focused on driving growth, strengthening partnerships, and contributing to the team’s continued success. Outside of work, Scott enjoys travel, sports, and spending time with his family. He and his wife, Jan, are celebrating 25 years of marriage this October and are proud parents to their daughter, Olivia. The family also includes their Olde English Bulldog, Georgie — who answers to around 20 different nicknames. A dedicated sports fan, Scott cheers for the Washington Commanders and the Boston Celtics.
Rating: 5.0 out of 5.0 from Encompass Scott was able To guide us through the whole procedure with assurance and much assistance to make this a wonderful experience Jefrie DTHE VILLAGES, FL May 25
Scott was able To guide us through the whole procedure with assurance and much assistance to make this a wonderful experience
Rating: 5.0 out of 5.0 from Encompass Scott Ferguson and his team are a great help! I have used this team for many transactions and they are truly the best at what they do! Angelica J.Daytona Beach, FL May 24
Scott Ferguson and his team are a great help! I have used this team for many transactions and they are truly the best at what they do!
Rating: 5.0 out of 5.0 from Encompass Scott was able to walk us through our closing smoothly and efficiently. We were very satisfied with our experience. Kim Ha OTHE VILLAGES, FL May 20
Scott was able to walk us through our closing smoothly and efficiently. We were very satisfied with our experience.
Rating: 5.0 out of 5.0 from Encompass My husband and I used Scott Ferguson about five years ago and were extremely happy with him so we decided to use him again. Scott is very kind, extremely quick to return phone calls, and so helpful in explaining the process to us. Scott.was able to get.everything.that needed to be done in an expedited manner. Scott was professional and empathetic ... Mary Ann A.DEWITT, MI May 11
My husband and I used Scott Ferguson about five years ago and were extremely happy with him so we decided to use him again. Scott is very kind, extremely quick to return phone calls, and so helpful in explaining the process to us. Scott.was able to get.everything.that needed to be done in an expedited manner. Scott was professional and empathetic ...
Rating: 5.0 out of 5.0 from Encompass Scott is very knowledgeable, he presented all of the data for me to make a decision. He and Jennifer make a great team, I reccomend their services to all my friends and colleague. Well done Scott and team. JeffreySmithfield, VA Apr 14
Scott is very knowledgeable, he presented all of the data for me to make a decision. He and Jennifer make a great team, I reccomend their services to all my friends and colleague. Well done Scott and team.
Rating: 5.0 out of 5.0 from Zillow I highly recommend Arbor Loans for your home loan needs. I recently set out to purchase a condo and my real estate agent knew the loan process would be complicated for various reasons. When she connected me with Scott Ferguson with Arbor Loans I knew I was in good hands. He was great!! He was able to do what others had not been able to do. Scott an... Karen ClevingerVirginia Beach, VA Apr 03
I highly recommend Arbor Loans for your home loan needs. I recently set out to purchase a condo and my real estate agent knew the loan process would be complicated for various reasons. When she connected me with Scott Ferguson with Arbor Loans I knew I was in good hands. He was great!! He was able to do what others had not been able to do. Scott an...
Rating: 5.0 out of 5.0 from Zillow I can't say enough great things about Scott Ferguson and his incredible team! From the very beginning of my duplex purchase journey, they were kind, patient, and incredibly knowledgeable. Scott made sure I understood every step of the loan process, answered all of my (many!) questions with care, and always made me feel supported and confident in my... Angelica SimonNorfolk, VA Apr 03
I can't say enough great things about Scott Ferguson and his incredible team! From the very beginning of my duplex purchase journey, they were kind, patient, and incredibly knowledgeable. Scott made sure I understood every step of the loan process, answered all of my (many!) questions with care, and always made me feel supported and confident in my...
Rating: 5.0 out of 5.0 from Encompass The open/honest communication and availability at all times made the process extremely pleasant. Online documents were easy to submit and speed of closing was impressive. TylerCHESAPEAKE, VA Apr 02
The open/honest communication and availability at all times made the process extremely pleasant. Online documents were easy to submit and speed of closing was impressive.
Rating: 4.2 out of 5.0 from Encompass The only ask would have been to communicate more on the next to last day. The wire was held up bcz we didn't know about underwriting status or approval until Closing day, so it was all so last minute. Otherwise, everything was great! Larry D.WILDWOOD, FL Mar 25
The only ask would have been to communicate more on the next to last day. The wire was held up bcz we didn't know about underwriting status or approval until Closing day, so it was all so last minute. Otherwise, everything was great!
Rating: 4.5 out of 5.0 from SFTP He was great at keeping me in the loop throughout the entirety of the process LuisHampton, VA Feb 28
He was great at keeping me in the loop throughout the entirety of the process
Rating: 4.9 out of 5.0 from SFTP timely response, follow through, and communication. CharlotteChesapeake, VA Feb 28
timely response, follow through, and communication.
Rating: 5.0 out of 5.0 from SFTP From the Loan officers to the assistants to the law offices they set me up with is what I refer to as the “Dream Team’ ToniPortsmouth, VA Feb 28
From the Loan officers to the assistants to the law offices they set me up with is what I refer to as the “Dream Team’
Rating: 5.0 out of 5.0 from SFTP Scoot was very patient and understanding with all the questions I had. HannahChesapeake, VA Feb 28
Scoot was very patient and understanding with all the questions I had.
Rating: 4.8 out of 5.0 from SFTP My loan application posed some challenges that Caliber helped me overcome with due diligence and professionalism. Can't ask better than that, especially when the outcomes are successful. VictorCHESTER, VA Feb 28
My loan application posed some challenges that Caliber helped me overcome with due diligence and professionalism. Can't ask better than that, especially when the outcomes are successful.
Rating: 4.9 out of 5.0 from SFTP Very patient and friendly people, especially with myself being new to the process. Answered all questions that I had promptly and appeared very knowledgeable. This process was complicated but was made a great deal simpler. Marc-AnthonyVirginia Beach, VA Feb 28
Very patient and friendly people, especially with myself being new to the process. Answered all questions that I had promptly and appeared very knowledgeable. This process was complicated but was made a great deal simpler.
Rating: 5.0 out of 5.0 from SFTP Scott was extremely knowledgeable on the process and had no problem explaining anything along the way. He also took the time to make sure I was a part of the whole process even if I didn’t had a part to play at every step. Highly recommend. TrevorFRANKLIN, VA Feb 28
Scott was extremely knowledgeable on the process and had no problem explaining anything along the way. He also took the time to make sure I was a part of the whole process even if I didn’t had a part to play at every step. Highly recommend.
Rating: 5.0 out of 5.0 from SFTP Scott was outstanding professional throughout our mortgage process. He truly understands his clients and works very hard to ensure the clients are completely satisfied with the end result. Scott is very knowlegeable and made us feel very comfortable working with him PenelopeVIRGINIA BEACH, VA Feb 28
Scott was outstanding professional throughout our mortgage process. He truly understands his clients and works very hard to ensure the clients are completely satisfied with the end result. Scott is very knowlegeable and made us feel very comfortable working with him
Rating: 4.6 out of 5.0 from SFTP Good communication and overall experience for a first time homebuyer KarissaVirginia Beach, VA Feb 28
Good communication and overall experience for a first time homebuyer
Rating: 4.1 out of 5.0 from SFTP Scott and his team kept me informed throughout the process. ChrystalChesapeake, VA Feb 28
Scott and his team kept me informed throughout the process.
Rating: 5.0 out of 5.0 from SFTP Very helpful and patient with the process. CorinnSuffolk, VA Feb 28
Very helpful and patient with the process.
Rating: 5.0 out of 5.0 from SFTP Was extremely patient and considerate KendellCHESAPEAKE, VA Feb 28
Was extremely patient and considerate
Rating: 5.0 out of 5.0 from SFTP Scott was very professional and helpful. Scott ensured that all of my questions were answered, and concerns addressed, as I was a first-time home buyer. I would trust Scott's assistance to my friends and family. CameronPortsmouth, VA Feb 28
Scott was very professional and helpful. Scott ensured that all of my questions were answered, and concerns addressed, as I was a first-time home buyer. I would trust Scott's assistance to my friends and family.
Rating: 5.0 out of 5.0 from SFTP Scott was curious am knowledgeable. He Explained the whole mortgage process in detail and was open to questions. He then answered such questions inca way as I the customer could understand. Whole experience was informative and professional. CorySuffolk, VA Feb 28
Scott was curious am knowledgeable. He Explained the whole mortgage process in detail and was open to questions. He then answered such questions inca way as I the customer could understand. Whole experience was informative and professional.
Rating: 4.9 out of 5.0 from SFTP Scott showed great patience as he executed a multitude of procedures in order to make our investment happen! RonaldNEWPORT NEWS, VA Feb 28
Scott showed great patience as he executed a multitude of procedures in order to make our investment happen!