Scott Fowler - Greenville SC Mortgage Planner

About Us:

President / Partner - Horizon Financial, Inc. - 12 years Mortgage Banking Experience Helping More Than 1,500 Borrowers

University of South Carolina, BS Clemson University, MBA

Expertise with FHA, VA, FNMA, FHLMC, SC State Housing, Guaranteed Rural Housing and Reverse Mortgages.

Incredible Communication. We think Clients and Realtors should never have to call us for a status update!

Amazing Speed. We think 21 days is plenty of time to close a loan!

Scott is Greenville S.C.'s first mortgage broker / lender to achieve the elite CMPS designation. Less than 1% of mortgage brokers and lenders in the U.S. are CMPS certified. CMPS designees rank among the highest qualified and ethical in the lending industry and offer clients strategies that encompass mortgages, debt, home equity and real estate investment.

Extensive product knowledge, close communication, responsiveness and attention to detail contribute to Scott's success. "I take great pride and a sincere personal interest in helping all of my clients. It is my pleasure to work with informed customers who understand upfront, no nonsense communication and the value of not only a great rate, but the overall strategy and total cost of a mortgage."

In the Spring of 2007, Scott formed the ScottFowlerTeam.com to better serve his clients. "My team of experienced, mortgage professionals is passionate about our profession, and the result is nearly 100% of our business is by referral from satisfied clients, trusted financial advisors and the most experienced realtors in the Upstate. Our mission is to carefully guide you through the entire home loan process, so you feel confident as you make choices about the many options available for your financing strategy."

In his free time, Scott enjoys spending quality time with his family, reading, outdoor sports, college football and "fantasy baseball". His key to success is hard work, a positive attitude, and a passion for assisting others in achieving their goals.

Scott and his wife, Sylvia, reside in Simpsonville, SC with their 2 children, Sydney and Hampton.

Areas of Expertise

"Client's are our #1 Priority!"
We look forward to serving you and your real estate financing needs.

"We understand it's not just a house, it's your home."
Your home is one of the largest financial commitments you will make during your life, and many people view that as meaning just another payment. We can help you realize your home is truly a valuable financial tool, and we'll help you achieve the dreams and goals you envision for your future.

South Carolina's #1 source for professional mortgage planning!

"Our Advice Makes A Difference!"

The focus of my mortgage practice is to help clients create and conserve wealth by better managing their home equity and personal cash flow. I find the most effective debt structure to manage cash flow, increase liquidity and minimize tax and interest obligations. I provide comprehensive mortgage solutions with a high degree of trust, knowledge, respect and convenience.

With many years and a wide range of experience in the mortgage industry, our dedicated team stands ready to assist each and every step of the way. You only think about home financing a few times during your life ~ we think about it every single day. It's your home and your future. It's our profession and our passion. We're ready to work for your best interest.

Testimonials

Kathy, I am sending this to you because I wanted to introduce Scott Fowler a mortgage broker who I recently used and was the only one who could get me a good rate in these times on a refinancing. He took my information and when a window opened for a 5.5% - 7 year jumbo arm he called me and said we may only have 6 hours so let's lock it in. We did this and the next day rates went up. He was a pleasure to work with, very professional as well as the people on his team. When I got to the attorney's office there were no hidden problems. It took around 20 minutes to sign everything and the closing went off smoothly. (I called every bank I have a connection with as well as various mortgage companies and brokers. They said they couldn't match the rate I got.) If you know of anyone who is in need of a good mortgage broker I highly recommend him. Best regards, Barbara

Scott, Thank you for your wonderful service, your professional staff and for getting us the house of our dreams!!! We LOVE it!! We're going to tell EVERYONE about you!!! With Gratitude, Joe & Carissa Drauss ps. Thank you so much for the gift of the address stamp! What a GREAT idea!!!

Scott, It was great working with you and Donna Duckett on my recent refinance. I have always used "Big Banks" in the past and found them not very helpful. Your teams performance was great. Looking forward to the next time. Walt and Lois Morris

Terry, It was a pleasure working with you on getting the refinance pushed through in a short amount of time. The low-pressure atmosphere you provided was a welcome break from an otherwise stressful process. Also, Terry, what was most important was your willingness to provide the estimates in a timely manner - this enabled me to make an informed decision in short order. Thanks, Chris Pozsgai

Refinancing, which I have done many times, is at the very bottom of my list of things that I like to do. However, I must say that working with Scott Fowler at Horizon made an experience that I truly dreaded an experience that was not bad at all. I received a great rate and a hassle free experience in the refinancing process. Scott and his team honored all of their commitments, and my wife and I always felt that they had our best interest at heart. Without any reservations my wife and I highly recommend Scott and his professional team to you for meeting your financial needs. Jery and Barbara Burnside

I had a very good experience working with Scott Fowler team on refinancing of my loan. Scott delivered what he promised. Whenever I had any issues during loan process, he addressed and resolved them quickly. I have grown to trust him and his team. I'd like to use Horizon Financial again as soon as Scott locks me in with a lower rate. His weekly blogs are informative and I enjoy reading them. Jatin Rawal

Scott,
My sincere thanks to Horizon Financial and Terry Brunner! We have re-financed in the past and were a little hesitant to do it again because it has proven to be such a daunting task. Not so this time. Terry Brunner is very knowledgeable concerning re-financing and he taught me a lot during this process. Plus, the closing could not have been easier. Stephanie came right to the house and was a delight. If we are in need of this type of service in the future the Scott Fowler Team @ Horizon Financial will be our first call. We have also recommended Horizon Financial to several people talking about re-financing. We wish you well and thanks again!
Steve & Shirley McGee

Dear Scott,
It is my pleasure to write to you about the excellent work that Terry Brunner did in facilitating the purchase of my new home. Terry was professional, efficient, knowledgeable and helpful to me during the entire process, from beginning to end. He kept me informed of the progress of my mortgage, explained clearly every step of the way, and made sure that my mortgage was the best rate available. Even during my closing, when a minor issue arose, Terry was able to troubleshoot and respond quickly to resolve the problem. I would highly recommend Terry, as well as the others in the Scott Fowler team who worked on my mortgage. Thank you so much for fantastic service - it was truly a pleasure working with Terry and your group.
With best regards, Andrea J. Bhatt.

Scott, My husband and I want to thank you for all of your help and for getting us a good rate in these times. Also, LeighAnn was a pleasure to work with. The closing went very smoothly thanks to her. I have recommended you to quite a number of people and will continue to do so. BRS


Scott,
A big thank you to you and Leighann! Our loan process was flawless and we love our new home! Thanks so much for taking the stress out of the process. We certainly had plenty of other things to worry about! I have a girlfriend looking to relocate to Greenville. Will be sure to pass your into along. Thanks Again, Cindy K. Simpsonville, SC


Dear Mr. Fowler, I wish to let you know about the outstanding service I received from Terry Brunner who recently arranged for my mortgage on a $874,000 house. He was unfailingly responsive and knowledgable about the loan. I wish all mortgage brokers were as efficient as Terry was. He also was very adept at interpersonal relations, particularly in fending off a hyper realtor that I had hired. I was very impressed with the service Terry gave both myself and my husband. Because of Terry, the loan went through smoothly and I am extremely grateful for all of his hard work and his persistence at following up with me. All I can say is how grateful I am that Terry was there to give me such outstanding service at a very crucial point in buying my house. I hope that you recognize Terry for all of his hard work and dedication. Sincerely, Sheila K. Walker

The Scott Fowler Team at Horizon Financial made the whole mortgage process very easy. They provided me with many different options, some of these options I had never heard before. It just shows you that they include your mortgage into your entire financial situation and make the best decision. I would highly recommend the Scott Fowler Team for anybody looking for a new mortgage or refinancing. J. Sargent Mauldin, SC

Jeff (the CT real estate agent), This guy rocks! He does loans in CT too... we're using him, my sister used him and you may want to keep his info on file for your clients!! ;) http://www.scottfowlerteam.com/index.rad :) Carissa CC: Scott & Page (It's all about word-of-mouth, right?!)

Scott,
I have gone through a good number off mortgage and refinance settlements in my time but I must say that the one I just concluded with Terry Brunner was hands down the best experience. Over the past two weeks or so I have had the pleasure of working with Terry and experiencing his absolute professionalism not to mention that he is just plain a really nice person to work with. He kept me completely informed and up-to-date and the efficiency and speed at which this loan closed was outstanding. If I have need of your company's services again in the future, I will not hesitate to contact Terry. Thanks, Fred Doyle


Scott,
My partner (Terry Stoddard) and I would like to thank you for helping the closing for Tony Bradburn get taken care of so quickly! We appreciate your hard work (as well as the other members of your team, specifically Donna Duckett!) and understand how you had to work in order to get it done in such a quick amount of time. The homeowner is very happy and so are we!
Thank you again and we hope to do business with you in the future!
Stephanie Walker AHO HOMES REALTOR

Scott,
Thanks for everything. Closing went great. Keep in touch and lock us in again if "No Closing Cost 30 yr fixed refi" rate goes to 5.5% or lower. Keep sending your blogs, I read those and they help me understand things better. == JC

"My experience with Horizon Financial and the Scott Fowler Team was excellent. Although I had a complex situation, my loan was handled professionally. They went above and beyond what I expected. I would recommend Horizon to anyone looking to buy a home. I know I will use them for any future home purchases I have." - Dan Gliatta


Scott, Thanks so much for making my "Refinance" an easy and painless process . You were very responsive to my many questions and concerns and made me feel comfortable throughout the entire process . Being a "Hands on Person" , I appreciated the daily updates and quick turn around time on the entire process - less than three weeks I believe ! Also, it was so refreshing dealing with your team rather than the typical big banks which are so frustrating and non customer focused . Again, thanks and I will pass on my pleasant experience with my North Carolina neighbors ! Yours Truly, Pat Magee

Scott and Terry,
Thank you so much for all the patience and guidance you have given me through this whole process. You have both been so wonderful and made this overwhelming experience a little more bearable. I will send anyone I know your way with confidence. Thank you again, Lauren Green Mauldin, SC


Scott,
I just wanted to leave a quick note to you and staff. You folks did a great job on my refinance and I just want to say many thanks. Jeff Rash Danville, VA

Scott,
I would like to thank you and your team for everything you did to assist us with our recent Mortgage needs. Your professional approach made our experience of finding and purchasing a home very easy. I appreciate the attention that you personally provided to assure that the entire process was handled promptly without any delays. Your team was very courteous and provided us with communication updates that kept us informed of the progress of our loan process as it developed. This was a relief from the usual stress associated with large banking institutions who fail to provide any information during this process. I highly recommend your services to anyone with a mortgage or financial need. They will not find anyone more committed to providing top of the line customer service and satisfaction than you. Thank you, Norris Bolling Simpsonville, S.C.


Scott, Terry and Team,
No, Thank you! I appreciate all your help with my refinancing. This has to be one of the best experiences I have ever had with refinancing and closing a loan. Everything turned out better than expected and I couldn't wish for anything more. It was a pleasure to work with you & I will give your name and company to everyone I know that I know that is looking to refinance. That is the least I can do. Thanks again for all your help! Kerri

Scott,
I enjoyed working with you. You and your staff did a good job. Kenny Hale

Scott, I just wanted to take a few minutes to thank you and your team for helping me through the refinancing of my home mortgage. Terry Brunner was a pleasure to work with and did an outstanding job of finding the best rates possible for me. Terry was able to find me a rate that beat four other quotes from large mortgage lenders who to do a lot of national advertising. Terry was very professional, did what he said he would do and when he said it would be done. I like someone that delivers as promised like Terry. The closing went flawlessly with the closing attorney. I am just really impressed with Horizon and the staff of professionals you have there. I intend to recommend you and your team to all my friends. Thank you so much !! Sam Sullivan Greenville, S.C.


Hi Scott Thank you for your help. You definately worked hard for us and that is much appreciated. Trust me when I say I do mention to friends I have a good contact for mortgages. Please keep me posted if the rates take another dive. Bob Kyle

We were very pleased with the recent process of getting a mortgage through Scott Fowler. He made the process very simple. He acted very professional any time we dealt with him or his team at Horizon. Thanks, Stephanie


We decided to get out of Florida before it got worse. Greenville seemed like the perfect place for us. We found our dream home in Taylors. Being aware of our unique credit situation, we needed some guidance and assistance. We met with the mortgage team at Horizon Financial who welcomed us, offerred us assurance and worked hard to put us in our dream home. Just a short time later, we closed on our home with a great mortgage! Very special thanks to the great folks at Horizon Financial. Rich and Michele M., Taylors, SC

Scott, I want to thank the Horizon Financial Group, and especially Terry Brunner for the positive experience we had while refinancing our home. I originally went on the internet to find best refinance rates. I was contacted by several lending agencies but none were as professional as Horizon Financial. I appreciate having an agent who listened to my needs and answered my questions at any time. I am confident that I got the best interest rate available and that closing costs were minimum. The loan officers at my bank reviewed the Good Faith Estimates given to me by Horizon Financial and claimed that they could not charge anything lower for a refinance. I am very satisfied with the service provided to me during this process. I had easy access to Mr. Brunner when I had a question. Most importantly, my loan was processed in a timely manner. Thank you Horizon Financial. I will recommend you to everyone I know who is serious about refinancing or taking out a home loan. Sincerely, Allison Aiken, EdD

Hello Scott, Thank you for the great service. I think you know what it means when the stress of financing is relieved because you can trust your Broker. I will pass the word. Best Regards, Phil Greenville, SC

Scott - I just wanted to get back to you and express my deepest appreciation for expertise and financial assistance throughout my latest loan with your company. The entire process was quick and painless. It is always a pleasure to work with professionals. I also wanted to add my appreciation for Donna Duckett's very professional performance and personalized assistance. Thank you very much and please rest assured that I have and will continue to pass the good word about your organization and your professional service. Respectfully, Delos and Donna Cloud

Thank you. Very satisfied with the service. Also very surprised at how quickly loan was processed and closed. Expected it to be another 2 weeks before closing! We will certainly refer you to anyone we know needing home financing or refinancing. Barbara Holman

Scott and his team were very thorough and helped ensure a smooth closing on my refinance. I certainly had a positive experience and will be sure to recommend his services to others in the future. Sincerely, Lee Stewart High Point, N.C.

Hi Scott, our experience with Terry Brunner and the Scott Fowler Team was very satisfying. Terry was knowledgeable and very accommodating to our needs. I certainly would recommend Horizon Finance to anyone who wanted to refinance. I would also like to add that it was expedited quickly and efficiently.
Sincerely,
ACC


Hi Scott: Hope you had a great vacation. The closing went very smoothly. Thanks very much for your efforts. I will be referring you to as many people as I can. I talked about your company at my staff meeting, and three of the people expressed interested. I will forward your information to them. I don't often make this offer, but I was so impressed with how easy it was and how smoothly things went that I am willing to be a reference for you and your company. Especially when dealing over the internet, it is tough deciding whether or not to deal with a company that you've never had business with before. Believe me when I say that many of the other mortgage companies that I got phone calls from tried to convince me that things were too good to be true and that I should go with them instead of you (although their fees were significantly higher). That really turns me off when someone essentially "bad mouths" another company. I would be willing to respond to queries from others who want first-hand experience from someone who has done business with you. If you have someone on the fence that wouldn't mind a positive word from a customer, I'd be glad to do that. I had a really positive experience doing business with you and I'd be glad to share that experience with others. Regards, Bob Sauers


Scott,
Just wanted to say thanks for all your work. You really helped to make my first home purchase a great experience. Thanks,
Shane Evans Simpsonville, SC

Scott thanks for getting that to me, and thanks again for helping us get into our first home. You came through on everything that you said you would and that's hard to find these days. Take care. Pete and Charlene ........Greenville, SC


Scott,
Thanks to you, Terry and the Horizon Team. This was about the quickest and easiest refi we have ever done, and of the many companies we talked to, we got the best rate and cost combination from yours, as well as the most responsive service. Mark Seal

Dear Scott, I just wanted to take a minute and tell you what a phenomenal job you did in your business presentation yesterday. It was extremely interesting, informative, and valuable to every member there. You differentiated your business from others and you did it in such a professional and value-giving manner. I heard several newer members talking about it after the meeting; even saying that they are definitely going to use you for any of their future financing needs but also that they feel very comfortable in referring you to others. What an example of "an effective business presentation" you set for all of us yesterday! Thank you so much for raising the bar; one thing we all must continually desire for our chapter in all areas. I appreciate you, Val Domagalski
President, Greenville Leaders BNI