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About Scott Gilman

As a licensed Homebridge Mortgage Loan Originator in California (NMLS #312637), Scott Gilman can assist you with your home loan needs, including:

  • First-Time Purchase
  • Second-Home Purchase
  • Refinance
  • FHA and VA
  • Conventional
  • 203(k) Renovation
  • Jumbo

Scott welcomes the opportunity to serve your needs with quick and accurate real estate financing advice. Scott has the expertise and knowledge, and will make sure you understand the features associated with the loan program you choose and that it meets your unique financial situation.

Contact Scott Gilman Anytime

Feel free to contact Scott anytime by phone or email for personalized service and expert advice. Scott Gilman will extend the same professional service to your friends, family members, work colleagues or neighbors who need help.

Scott Gilman is 203(k) Renovation Lending Certified

Scott is certified in 203(k) Renovation Lending, a program particularly well suited for buyers of fixer-uppers and REOs in need of repair. Homebuyers can finance both the purchase and future repairs on their new home with one loan.

The Renovation Loan offers some great features. The amount of money you are permitted to borrow for the purchase and renovations is based on the increased value of your home after improvements are made1. Also, because renovation costs are spread throughout the entire term of the loan, monthly payments are often lower than other financing options. With the loan, there is also no need to delay improvements. You can start in immediately after closing. Another great feature is the loan's simplicity - one application, one set of fees and closing costs, one closing to attend and one payment each month. The interest on the cost of your improvements, included in your mortgage, may be tax deductible2 as well.

Scott Gilman values your business and will provide you with the best professional service and mortgage solutions that make most sense for you and your unique financial situation and real estate goals.

Please contact Scott by phone, email or filling out the pre-approval form on the right to get more information about our Renovation Loan, or any other mortgage financing solution. I look forward to working with you!

1For 203k purchase transactions the maximum loan amount is the lesser of the sales price + renovation costs or 110% of the as-completed value, times the maximum loan-to-value. For refinance transactions the maximum loan amount is the lesser of the property value before renovation + renovation costs or 110% of the as-completed value, times the maximum loan-to-value. Loan amount must be within FHA county loan limits.

For HomeStyle® purchase transactions the maximum loan amount is based on the lesser of the sales price + renovation costs or 100% of the as-completed value, times the maximum loan-to-value allowable. For refinance transactions the maximum loan amount is based on the lesser of 1) 100% of the as-completed value times the maximum loan-to-value or 2) the balance on the existing loan plus the renovation cost plus the settlement costs. The maximum repair amount is limited to 50% of the as-completed value. HomeStyle® is a registered trademark of Fannie Mae.

2Please consult a tax advisor for further information regarding the deductibility of interest and charges.
Top200
Mortgage Loan Originator in AmericaMortgage Executive Magazine 2016
For your home improvement needs, visit Service Finance Company, LLC to find a trusted local contractor.
Find a Contractor

Homebridge may receive compensation for referring you to Service Finance Company, LLC.

What Our Customers Say About Me

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Erin F. Aug-18
“Great experience!”
Sreescanda S. Aug-18
“Expedient, easy, courteous and efficient.”
Sean E. Aug-18
“Incredible service, great communication. They did an outstanding job!”
Daniel W. Aug-18
“Easy to contact, very helpful and I felt they really worked for us.”
Robert W. Aug-18
“Recommended by Barlow Realty. Great customer service and helpful.”
Erin F. August 2018
“Great experience!”
Sreescanda S. August 2018
“Expedient, easy, courteous and efficient.”
Sean E. August 2018
“Incredible service, great communication. They did an outstanding job!”
Daniel W. August 2018
“Easy to contact, very helpful and I felt they really worked for us.”
Robert W. August 2018
“Recommended by Barlow Realty. Great customer service and helpful.”
Erin F. August 2018
“Great experience!”
Sreescanda S. August 2018
“Expedient, easy, courteous and efficient.”
Sean E. August 2018
“Incredible service, great communication. They did an outstanding job!”
Daniel W. August 2018
“Easy to contact, very helpful and I felt they really worked for us.”
Robert W. August 2018
“Recommended by Barlow Realty. Great customer service and helpful.”
Ronald J. June 2018
“Personal attention excellence.”
Nico W. June 2018
“They are prompt with their services and friendly as well.”
Shani F. June 2018
“Highly organized and responsive.”
Allison H. June 2018
“The HomeBridge team is excellent at explaining the process and is very responsive.”
Marlena C. June 2018
“Because they are amazing!”
Scott R. May 2018
“Scott is a true professional and an expert in his field. He is the best broker we have worked with.”
Patrick F. May 2018
“Recommended by a friend.”
Frederick D. May 2018
“Scott and Alan were very helpful and knowledgeable.”
Gabriel A. May 2018
“Scott is easy to work with, professional and always available.”
Christine M. May 2018
“I am very happy with the customer service!”
Joseph S. May 2018
“Awesome!”
Alisa B. April 2018
“Scott and Al are great to work with and they help you all along the way.”
Carly L. April 2018
“Scott and Alan worked very hard for me!”
Gregory A. April 2018
“Scott and Alan were very informative, efficient and always available!”
Jerry C. March 2018
“This is our third time working with Scott Gilman. He is very thorough and results oriented.”
Barry S. March 2018
“Excellent service and people.”
Richard P. December 2017
“Everything went smoothly.”
John S. December 2017
“ML.O is creative, attentive, helpful, speedy; very positive experience. ”
Tyler B. December 2017
“They were quick to answer emails and phone calls. ”
Pamela L. October 2017
“Scott did a great job.”
Polly B. October 2017
“Everyone was awesome!”
Donald H. October 2017
“Everyone knew what was going on and guided us there.”
Joshua C. October 2017
“Everyone was fantastic, diligent, informative, helpful.”
Elliot P. October 2017
“Scott and his team were quick to respond and on top of completing my home loan.”
Dadyar R. October 2017
“Al is great! He has helped me with my purchase and 2 refinances.”
Sean M. Long Beach, CA
“Scott Gilman was very professional and informative. He closed on time with no issues.”
the process was smoother and less painless than I could have imagined. Cathy Moran
“Communication was clear and timely”
David B. Westlake Village, CA
“On top of every detail.”
Staci S. Thousand Oaks, CA
“You guys were easy to work with. You made the process un stressful. Thank you! I will be calling you again for my next loan. Thank you.”
John S. Thousand Oaks, CA
“You always handle our requests with the greatest speed and we appreciate it! Thank you!”
Jeanne B. Camarillo, CA
“Very responsive and great communication. Always replied in a very timely manner.”
Kristen L. Camarillo, CA
“Very quick to respond and always had an answer for us.”
Armando V. Canoga Park, CA
“Very efficient.”
Paul M. Thousand Oaks, CA
“Unbelievable customer service and the best communication ever!”
Roy B. Newbury Park, CA
“Scott'”
Brian W. Thousand Oaks, CA
“Scott G. and team were fantastic, and they were quick with the whole process. They closed my loan in two weeks! They kept me up-to-date with each step and provided great customer service. I will definitely reccomend others to your company. We are loving our new home!”
Carl L. Thousand Oaks, CA
“Scott Gillman and team were wonderful in their ability to get the loans we needed. My wife and I cannot say enough about both of their professionalism. Great job!”
Lance L. Moorpark, CA
“Scott Gillman is the absolute BEST Loan Officer there is. He is the most positive CAN DO professional we'”
Keli D. Moorpark, CA
“Scott Gillman provided excellent service by communicating through the process, not only to the buyer but to the realtors as well - a true professional! Without a doubt, I would refer Scott to future clients in need of lending.”
Wayne S. Camarillo, CA
“Scott Gilman and Alan Owinsky were quick and easy to work with. All my questions were answered throughout the process. I will refer others to these two gentlemen.”
Josef M. Agoura Hills, CA
“Scott Gilman and his team were fantastic. Attentive and understanding with any needs we had.”
Sreescanda S. Thousand Oaks, CA
“Scott Gilman and team are the best--professional, punctual, diligent, courteous, knowledgeable, but above all else they made the process easy and stress free. I will recommend them to my friends because after working with them, I cannot think going anywhere else for my home mortgage business.”
Ronald A. Playa Del Rey, CA
“Scott is incredible. His knowledge and professional personality were a joy to work with. I was happy with all parts of the refinance process. Scott did an amazing job and took care of everything. There is no one I would trust other than Scott. I recommend him to all my co-workers and friends and I'”
Donald P. Thousand Oaks, CA
“Scott and Al were always available and responsive to any question or request that we had plus provided sage advice and opinions when asked.”
Jamie B. Los Angeles, CA
“Scott and team were incredible, so responsive and helped make what can be a stressful time, an amazing experience !”
James F. Camarillo, CA
“My Loan Officers were impeccable. They were on top of every detail and guided me through the loan process with a relentless commitment to making sure I was happy and treated with the utmost respect as veteran applying for a VA loan.”
Jaime C. Porter Ranch, CA
“Mr. Gilman and his team are extremely knowledgeable and professional. They made my home buying experience less stressful. I would recommend them to all my friends and family.”
Leonard V. Camarillo, CA
“Mr. Gilman and Mr. Osowski, were on top of everything, they are a great team. They took me step by step so I new what to expect, I was also kept inform as to what was going on. It was a pleasure working with both of them they exceeded my expectations. When I purchase another house I would only use this team. Thank you Mr. Gilman and Mr. Osowski.”
Arnulfo M. Los Angeles, CA
“I would like to say that Mr. Al Osowski was very professional but at the same time he made you feel very comfortable and at ease with the whole process that can be quite stressful. I also want to thank him because he helped me navigate my computer (I am not computer savvy) in order to complete process. It was great doing business with him. You should be proud to have team member like him. Wishing you much success.”
Charles P. Camarillo, CA
“I was constantly advised status throughout the entire process. Professional is an understatement. Great experience! Thank you.”
Mojgan T. Thousand Oaks, CA
“I had a very pleasant experience with Scott Gilman and team during my recent loan process. They were very professional, knowledgeable, efficient, responsive, and helpful. This was not my first experience of purchasing a property or going through the loan application but, no one has ever explained the process to me so thoroughly and making me understand the rates and points. Scott made sure I understood what is being offered to me and I really appreciate his time and patience with me. They delivered what they promised me and I was very happy with them.”
Vicente U. Camarillo, CA
“He was very professional in doing his job and attended to all our needs. Everything was done in a timely manner.”
Lawless V. Westlake Village, CA
“He made the language understandable for me. Explained the terms and answered my questions in a friendly yet professional way. He made the process easy to work through,.”
Joanne D. Camarillo, CA
“He had a limited time to close the deal and he got it done. I understood the process as we were going through it. He kept me fully informed.”
Robert T. Camarillo, CA
“Great work, Scott and Al! It was nice to work with competent and knowledgeable folks. Keep up the good work!”
A S. Newbury Park, CA
“Great Loan Officers, quick and thorough service.”
Roy B. Westlake Village, CA
“Experience, personal service, timeliness.”
Fred R. Oxnard, CA
“Everyone involved was great!”
Nancy B. Camarillo, CA
“All was quite helpful during a difficult transaction. He was professional and calm when I was frantic.”
Nicole L. Cloverdale, CA
“Al Osowski was just awesomely helpful, and smart. He stayed calm through any last minuet crisis, guided me through several stressful situations, and even took a late night call. He really made this loan happen, and it was a great rate too. He was the best!!!!”
Joyce R. Camarillo, CA
“Alan and Scott did a terrific job! Funded on time and closed on time. We are very pleased! Hats off to two professionals!”
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