Scott Pendleton Mortgage Maker

09/23/2026

Exciting news! 🎉
I'm thrilled to start my next chapter with Stockton Mortgage.
Grateful for my time at EMM and all the amazing people I met along the way.
Curious about my journey? Reach out! I’d love to share!

08/13/2026

08/01/2026

Let's talk rates. 📊

Big week in the mortgage world. The Fed held interest rates steady, and Fed Chairman Kevin Warsh made headlines with his comments following the decision.

Also caught an interview with Senator John Kennedy (LA), who called inflation "pernicious," extremely harmful, dangerous, even deadly. Strong word. Strong point.

There's real talk of a quarter point bump at the next Fed meeting. But here's the thing: that doesn't necessarily mean mortgage rates go up too. We could actually see rates hold steady or even dip a bit.

Bottom line:
🔑 If you're under contract, talk to your lender about locking your rate. Don't leave it to chance.
🔑 Rates will come down eventually, and when they do, refinancing puts you in an even better spot.
🔑 Homeownership still builds wealth, even in today's rate environment. Owning beats renting, period.

Questions? Want to talk through your scenario? I'm just a call away. 📞

07/30/2026

If you don't see a future where you are, why stay? 🤔

We talk about bringing value to our building partners all the time, but that same mindset has to apply to our own people. Our loan officers deserve real growth, even if that eventually means they branch out on their own.

But here's the thing: wouldn't it be better if they built that future within our organization? Grew their own branch, found success with us at EMM, and you got to be part of that journey?

That's what real leadership looks like. Not holding people back, but building a place worth growing in.

07/26/2026

4.75 star review received on Experience.com for Scott Pendleton by Kimberly A H

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07/25/2026

5.0 star review received on Experience.com for Scott Pendleton by Alisha M - Scott and his team are always efficient and get things done! He is my go to for all mine and my clients loans. Highly recommend!

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07/24/2026

EMM Elevate is here. 🚀

We're building a roadmap to success and it's not just talk. From starting as a producing branch manager in 2014 to where he is now, the growth is real. Same story for Brad, who came in through a completely different role and built something different. And Drew, one of the youngest in the room, is already building his own brand.

Every path looks different. That's the point.

EMM Elevate is our roadmap to growth, built to help the right producers in our markets get to where they want to go.

Your career path starts somewhere. Where's it going?

07/15/2026

5.0 star review received on Experience.com for Scott Pendleton by Natalie H - Great experience and communication with Scott

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06/06/2026

Did you know mortgage applications are up this year?

That might surprise some people because rates aren't exactly where most buyers hoped they'd be.

But here's what many buyers are starting to realize:

Rates today are actually lower than they were this time last year, and waiting for the "perfect" market may not be the best strategy.

For the last few years, many buyers have been sitting on the sidelines waiting for rates to drop, prices to fall, or conditions to become perfect.

The problem?

The perfect market rarely exists.

What we're seeing today is a market with more balance. In many areas, inventory has improved. Sellers are more willing to negotiate. Buyers have more options and more leverage than they did during the frenzy of the last few years.

Does that mean everyone should rush out and buy a home?

Absolutely not.

The right time to buy isn't determined by a headline or a mortgage rate. It's determined by your goals, your finances, and whether the payment makes sense for your budget.

The buyers who tend to win long term aren't the ones who perfectly time the market.

They're the ones who make smart decisions when the numbers work for them.

If you've been waiting, it may be worth taking another look at today's market.

Send me the word **HOME** and let's run the numbers together with no pressure and no obligation.

At EMM Loans, every mortgage matters.

05/30/2026

5.0 star review received on Experience.com for Scott Pendleton by Christian T - Scott is extremely experienced and knowledgable which helped expadite our closing. The service Scott and his team provide is first class. No time wasted, always responsive, and a pleasure to work with. I Would recommend anyone looking for a Home loan work with Scott.

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