2240 Clay Street, Suite 102
Denver, CO 80211
Thanks for visiting my web site.
As a lending professional at Bay Equity, I am dedicated to helping you with all of your home mortgage needs.
The housing and mortgage markets are constantly changing. I can help you navigate the many options to find the right loan for you and your family.
Whether you are buying or refinancing, buying your first home or building your dream home, I can explore with you the many options for financing.
You are invited to apply on-line, or contact me to set up an appointment. Either way you will get my immediate and personal attention.
“Working with Scott was a great experience! I very much appreciate the time he took to answer any questions I had and be a great advocate for me in helping to secure the home I wanted. His experience and knowledge made the process much easier than expected! You need strong players on your team in this very competitive Denver market.”
“Scott was the most helpful person I have dealt with in a long time. He explained everything to me and was very patient with my multitude of questions. Now that our transaction is over, he continues to stay in contact and I feel that I could turn to him with any questions or concerns.”
“Scott and his staff did an outstanding job of facilitating the underwriting process and providing the necessary guidance as needed. They are timely, efficient and professional. I would definitely recommend working with Scott, and I plan to do so again myself on future property purchases, including investment properties.”
“My wife and I were looking for our first home purchase for our family of 4, and after years of (re)building my credit, and saving up money, I called Scott 8 months before our planned purchase just to see how far away we truly were. Scott meticulously walked us through the process, and set very realistic expectations on what we'd have to do to get into a home. Following his guidance, we moved into our first home just 3 months after that initial call. But before that happened, we had the pleasure of working with both Scott and Alison Coors to help us navigate what should have been a much more daunting, and overwhelming process. Through it all, they were patient, knowledgeable, and quick to take my call or reply to my email - whether answering questions or just calming my nerves. I've got tons of great friends and family that do mortgages for a living, but I'll be calling Scott for any of my future needs!”
“Working with Scott James has been an absolute pleasure! Not only was he timely and professional working with when buying my first house but he has continued to monitor my account as the years have passed and has contacted me when there have been opportunities to refinance save money. I will continue to refer all of my friends who are looking at purchasing a house!”
“It has been a pleasure working with Scott over the last 10 years. Scott has always helped me find the best way to fund homes, investment purchases, and re-fi's. Scott takes the difficulty out of the process for you and can answer the tough questions or find the answers quickly. His personal involvement has ensured I always received great customer care and responsiveness.”
“We were anxious to start the home buying process and Scott provided us with the guidance we needed to navigate the lending processing including the new law changes assuring we could confidently get the house of dreams in the competitive Denver market. Thank you for giving us clear instructions and providing quick responses to all our questions every step of the way. It was a pleasure to work with you and we are happy to have found our lifetime lender!”
Evan & Eryn K.
“We could not have made a better choice for a lender than Scott! My husband and I used Scott for the purchase of our first home 3 years ago. He walked us through the process, explaining each step in detail, to make us comfortable with the biggest purchase of our lives. Not only did Scott prove to be a valuable person to work with, he also stayed in touch and became a friend to both of us. Scott consistently checks in with us to see how we are. Recently, Scott called to check in and had been looking out for us and brought to our attention some options with our loan to refinance. This is something I would have never done on my own. But with Scott's attention to detail and his true care for his clients, we just closed on a refinance that is saving our family money and allowing us to accomplish some big projects on our house that we have always wanted to do. I spent hours on the phone with Scott as he once again, explained all of our options in great detail to make sure we were comfortable and doing the right thing. I consistently recommend Scott to anyone I know who needs a lender, I feel so confident recommending him because I know he takes the same time and attention for all of his clients as he did for our family!”
“We knew before going into it that navigating the home buying process in Denver was going to be incredibly difficult given the area's booming popularity. Scott James and the Bay Equity team made things so much easier than we could have ever imagined. My wife and I both have complicated income streams and work scenarios. Scott provided expert advice from the very beginning to help us get things in the right order so that we were prepared well in advance and could make a successful offer on a home when the right one came along, rather than going through the nightmare of being rejected over and over - which is common in today's market. Not only did we value Scott's expertise and honesty throughout the journey, he was a pleasure to work with, and brought a breath of calm fresh air to what can easily be a very hectic process. His team was on it from day one, was quick to respond to any questions we had throughout the process and made sure we understood each and every intricacy along the way to ensure we hit any deadlines and hurdles that were required. The results of working with Scott are that our offer was accepted on the first house we wanted really badly, we have a comfortable mortgage that is realistic for our lifestyle and income, and we are now living in the home of our dreams when a year ago we were in an apartment that was falling apart. Something else that is refreshing is that even though we have been in the home we purchased for several months now, Scott still checks in on a regular basis to make sure we are happy, address any questions that may have come up about the loan, and to ensure that everything is still going smoothly. His personality and professionalism were perfect for us, and we really couldn't have asked for a better experience. I'd highly recommend Scott James and the folks at Bay Equity to anyone that is ready to make the jump for purchasing a home. They were honest, diligent, professional and a real pleasure to work with. Simply put - they made it seem easy.”
Zachary L. & Megan G.
“I worked with Scott on my first home purchase in August 2014. He is incredibly professional, knowledgable and friendly. I recently worked with Scott again on my Re-Fi after he reached out with the opportunity and was thrilled to work with him again. Through the process, he has helped me completely change what my financial situation looks like, providing advice and assistance along the way. I highly recommend Scott and his team!”
“We were very excited to buy our first home together, but it was not without questions and concern. Scott was very thorough and took the time to explain any questions we had so we completely understood the process. Scott eased our concern and helped make the experience fun and seamless. We plan to stay in our home for a long time, but if we ever decide to buy again, Scott will be our lender. We will highly recommend him to anyone!”
“Scott and his team were a joy to work with. They were very attentive to my needs and made the refinance process very simple. His response time on every question that I had was phenomenal and he worked hard to close my loan on time. I would recommend working with Scott to anyone and am happy to have found my lifetime lender.”
“Scott was wonderful to work with! He answered all my husband and my questions. He was available to review all of the loan paper work with us and was happy to walk us through every step of the loan and mortgage process. We would happily recommend him to anyone looking to purchase their first home, refinance their home or purchasing a rental property.”
“This is the second time I have worked with Scott and each time has been seamless and an overall great experience! Scott worked with me on my first home loan and found me an amazing deal and then followed up when there was an even better opportunity for me to save money and refinance. I would highly recommend Scott, especially as a first time home buyer. He answered all my questions and went above and beyond to make a fairly confusing experience extremely easy!”
“We just completed our fourth new home purchase in ten years and Scott provided us with the best loan experience to date. He was extremely knowledgeable and passionate about delivering us a stress free loan experience. He is super easy to interact with and I have already recommended his services to my friends. Scott is a committed professional who worked hard to earn our trust and displayed the utmost integrity throughout the entire loan process. I will definitely be calling him for my next re-fi or purchase.”
“I am a new home owner and didn't know much about the process. Scott took ample time to explain each step of the buying process and never made me feel rushed or that I was taking too much of his time. He was incredibly knowledgeable about the Home buying process and gave me excellent advice and now I have a wonderful new home I love! Thank you Scott and bay equity for all you did for me, I'm eternally grateful!”
“Scott was recommended by several friends and our real estate agent as a wonderful, reputable lender. We are so pleased that we took their advice. When it comes to personal finances, Scott was there to keep us extremely well-informed and helped us understand every step of the process to purchase our amazing first home. Our experience with Scott was seamless and we are happy to have worked with him and look forward to doing so again.”
“Scott came highly recommended by a friend and he surpassed all expectations. Having been in real estate business for 10+ years myself, I have very high expectations with the individuals that I use personally. In addition to being a consummate professional and always looking out for his clients, Scott makes getting a loan straightforward, the way it should be. I would strongly recommend to ANYONE, whether this is their very first property, a refinance or a seasoned investor.”
“I worked with Scott to finance my first investment property; it was a big undertaking for me, and Scott was an invaluable resource to navigate options and details. The entire process was seamless.”
“My husband and I were not quite sure we would be able to buy a new home in this market when we first started looking for homes. Scott was able to work with us and find us a unique financing opportunity that allowed us to buy our dream home. If if wasn't for Scott and his extensive knowledge we would still be overpaying in the rental market.”
“I used Scott for a loan on my first home which had a tight timetable for closing. His communication skills and responsiveness were comforting throughout the process. He went above and beyond my expectations from the beginning to end.”
“Scott did a very good job navigating us through the loan process on our new home. He helped us understand what we could qualify for, provided different loan options, and locked us in at a good rate. I'd definitely highly recommend Scott to other home-buyers.”
“Scott was very helpful throughout the entire process. He was very responsive and quick to answer any questions that came up along the way. We were in a tough market and being able to close quickly with Scott helped us get the home we wanted.”
“ABSOLUTE BEST IN DENVER!! Scott James efforts and knowledge in securing our home loan are beyond description. We tried other lenders and always got "Sure, we can get you a loan!", only to be drug through the loan process to be told no at the end. We contacted Scott and he was honest with us from the start. He reviewed our credit prior to applying for a loan and told us what we needed to do to fix the problems and how long it would take us. We did what he said and got ourselves into a position to buy our first home. He is the most honest, upfront businessman because he knows what banks will and will not do. He will never tell you something to get you "on the hook". Anyone sincerely interested in buying a home should not look any further. He got us the absolute lowest rate and his team at the office was with us the entire way, contacting us constantly with schedule, needs and updates. Unbelievable service!”
“Scott James has been an incredible asset for our family as we have bought, sold, and refinanced our homes over the years. I have recommended Scott any time I have a friend who is looking to buy or refinance a home, and EVERY time they end up going with Scott over their other options. From the moment you start working with Scott, you'll be impressed with his ability to communicate your lending options and provide clear details on EXACTLY what types of loans he can provide. His knowledge of real estate goes well beyond the lending arena and we have been able to tap into that knowledge to make the best decision every time. Give Scott a try, you will not be disappointed!”
“Thinking about buying our first home together was an exciting, but daunting endeavor. How great was the school district? Would the neighborhood be a good fit for our family? Was the house and whatever work it needed worth the cost? This was of particular concern in such a competitive buying market. Scott was incredibly patient and knowledgeable. He had great insight regarding the many different options we explored. We felt confident in his advice and knew he would make sure that we found the home that was right for us. That level of trust was an enormous comfort for us. We are thrilled to have found a home that suits our family's needs so well. We look forward to working with Scott in the future for any and all housing needs!”
“Our realtor had put us in contact with Scott when we needed to secure a loan for our new home in Arvada, CO. He impressed us immediately with his knowledge, prompt and thorough response to questions and professionalism. Our loan went through without difficulty and was as painless as one could expect in this market. We needed Scott's services again when we decided to refinance and again, were quite impressed with his handling of the paperwork and patience answering our questions and investigating financial options for us. Two for two! I would highly recommend Scott to friends and family because of the level of trust we feel in him.”
“One of the most difficult parts of buying a home is putting your trust in a loan officer to provide you with guidance that is in your best interest in the long run. We have been so lucky to have Scott James patiently and painstakingly walk us through every confusing step of the process twice now. In addition to doing everything that is expected of a loan officer, Scott has consistently gone above and beyond by always looking ahead and troubleshooting potential pitfalls beforehand. He always seems to be ready to help when we call, and has a knack for clearly communicating the intricacies of what's needed in language that someone who's not in the real estate business can understand. Scott is a true professional who we would strongly, wholeheartedly recommend, and will definitely work with in the future.”
“We used Scott several years ago for a refinance and remembered him again when it was time for us to buy a home. After questioning other lenders we settled on Scott because he put us the most at ease. He spent quite a bit of his time talking to us about our options and the trend of the market, even more than 8 months before we were planning to purchase. At the day of closing we received several, unsolicited comments from the listing agent and the title company regarding how smooth the process was with Scott. He will continue to be our recommendation for our friends and family.”
“I have had the opportunity to work with Scott several times on refinancing in the past few years. After working with him the first time I knew I wouldn't hesitate to work with him again. I asked Scott lots of questions from the very beginning of the process and even after closing was complete. He was always very welcoming and timely with his responses. If there was something that was out of his scope he put me in touch with the right people and was able to get me squared away. It's great working with someone who really cares about people.”
“My husband and I have worked with Scott several times - for both home purchases and a refinance. He is hands down the best man for the job, and I know we have no intentions of ever working with anybody else! He patiently walks you through the process to make it as seamless as possible. Questions are answered promptly and in a manner that is easy to understand. We've referred several of our friends to Scott, and they are just as pleased as we are!”
“The great thing about Scott is that he is genuine, strategic, and savvy about the market - and those virtues shine through in his performance. He is proactive about setting up a gameplan for your loan and also excels at thinking outside the box to get through tough obstacles with your situation. You know that you can trust him to get you the best loan possible and to not take any shortcuts. Not only is he my preferred lender for my real estate clients but he has also been my trusted personal lender on multiple transactions. My Wife and I recently refinanced with Scott and his team and we were impressed with their efficiency and personable touch. It was a slam dunk success and 100% seamless!”
“We recently bought our home this month with Bay Equity as our loan company. And all throughout our home buying period, we never experienced any problems with Bay Equity. They were actually outstanding! Great customer service, really fast turnaround time, very professional people! They delivered as promised. They actually exceeded our expectations. THANKS, BAY EQUITY!”