See What Our Valued Clients Are Saying…

Scott, Lisa and the team are great.  We originally used the Hill Team for the purchase of our current home.  We recently completed a refinance of that mortgage.  The process was under tight ratios but the Hill Team successfully navigated us through the process.  Can’t say enough good things about this team.

~Raul L.


If you are looking for a new home loan, I highly recommend 24 Hr Mortgage Home Loans!
I was referred to 24 Hr Mortgage by my daughter, who refinanced her mortgage home loan a few years ago.  She raved about the professionalism and excellent services she received during and after the process.  Until this day 24 Hr Mortgage still takes the time to do a courtesy follow-up and check in with my daughter to see if there is anything she needs with her existing loan and that’s made all the difference.
I contacted Scott Hill with 24 Hr Mortgage thinking it would be an easy and quick refinance because unlike my daughter this has been my  4th time in 30 years that I’ve had to refinance my loan which speaks to other loan officers I’ve worked with in the past and what sets 24 Hr Mortgage apart from the rest.  After doing a thorough assessment of my finances which included a list of derogatory credit history, an interest only home loan with a variable interest rate, consolidating credit card companies, lawyers, IRS the challenges were enormous and the possibility of refinance seemed impossible.
Scott informed me that it would take some time to address the problems because my circumstances were unlike most others, but 24 Hr Mortgage sincerely understands that everyone’s circumstances are different and they will address each client with great care and uniqueness.
As a team they not only have a vast network of resources, but as a team they are committed and extremely efficient.
I’m THRILLED to share with you that after 2 long years of working with Scott Hill, his wife Lisa Hill and the rest of the 24 Hr Mortgage team they were able to successfully refinance my loan with a low interest rate and lowered my monthly mortgage payments saving me close to 1K every month.
If you are looking for a home loan don’t look any further, 24 Hr Mortgage Mortgage will go the distance to make your dream of home ownership a reality.  They will work tirelessly to achieve the best outcome for you.  They were there from the very start and literally right by my side at the signing of my loan.
I can’t thank them enough for the time and constant effort to achieve this for me and my family more than once.  24 Hr Mortgage is a company of integrity, loyalty and a team to be admired.  Not only did they give me an excellence new home loan, but they gave me hope.

~Rosa V.


Scott and his team helped us navigate through the entire loan process, answering all our questions and eliminating our concerns. They get back to you immediately, and I love that! His videos help me understand the process easier. They made the daunting tasks of refinancing a breeze by making things as easy as possible. Thanks again to The Scott Hill team!!!!!
We have used them twice now, completely satisfied both times!

~Mark F.


Five stars all the way across the board for the entire Hill Team.
Very professional, we especially love the personal videos Scott sends. Lisa and Pauline were on top of everything start to finish.
Best communicators, even working on the weekends! Questions always came up on the weekends and one of the Hill Team got back to us within hours! Five stars for the Hill Team – we’ve used them for two loans and we would use them again in a heartbeat.

~Mary F.


The Hill team gets five stars in my book. I will say that I was very nervous to buy a house but they walked me through the whole thing. I felt that anytime I had a question I could reach out and ask and I would get a honest answer. Their response time on any request or questions I had were impressive. I really appreciated the videos Scott sent to explain everything that I should expect. Even after we closed Scott reached out to me to check if I had any questions or needed anything. That’s what I call genuine customer service. I want to thank the Hill team for making our dream come true.

~Fernando A.


I can not imagine working with any other Team. They really take the time to walk you through everything, make sure you understand, and help make the right decision. The home loan, or refinance process can take for ever and seem so painful. Honestly, each time I have worked with the Hill Team, its been fast, informed and easy. No pain, and all the gain!
Thank you Hill Team for all your help and will only use you in the future!

~Falynn Z.


Thank you Hill Team for all your help during the loan process. You guys made everything look so easy, smooth and fast but the immense hard work and dedication your team put in helped to procure our loan and enabled us to get into our first home.
Videos shared by Scott are a great resource, we keep going back to watch them whenever we have questions.
The team was always available to answer questions and they do it in such a way that it will help you understand the loan process better. Anyone in our circle who needs a home loan will be calling the Hill team first! I know they will be happy with the experience just like us.

~ Akshay. R


Excellent service! Very Professional! They even closed my loan early when I asked. I highly recommend everyone to use the Hill team! Scott, Lisa and Pauline are great!!!!

~ Juston C.


When my wife and I were buying our first home, we were intimated as can be, but Scott and his team guided us through the entire process with fantastic service at every stop. Literally every person added value and removed stress, Scott took the time to explain and teach us what was happening, and when things were looking difficult they worked extra hard to make sure our purchase went through. I can’t say enough nice things about this team, and I can’t recommend them enough, we look forward to working with them again in the future.

Danny H.


I can’t say enough great things about the Hill Team! Buying a home is such a stressful process, but the Hill Team definitely eased our concerns and worries every step of the way. Every question was answered. Communication was always on point and more importantly they have a great sense of humor which is a plus for my husband and I. Our loan ran into some unforeseen hiccups, but we were never worried b/c the Hill team has suggested solutions before we even know there were hiccups. I don’t mind problems, if a solution follows, and they did just that. I have no doubt we will go through the Hill Team again!

Kim H


Thank you Hill team for an amazing home loan process. I had no idea that it could be so smooth. The Hill Team was amazing at getting our new home loan together quickly and efficiently. I won’t ever consider another company if we need these types of services and I’ve already been giving out their info to friends. The realtors and title company were also singing their praises. You won’t be disappointed!

~Kaidi P.


After witnessing the Subprime Mortgage Crisis of 2007-2010, I was relieved to find Scott and Lisa Hill and their team when it was time to refinance our home. Our good friend referred us and we could not be more pleased with the on-point customer service. This was the first time the whole process was explained honestly and thoroughly. Their patience and availability made refinancing our home so much easier. Our thanks to the Hill Team!

~Mel T.


My wife and I have been lifelong 24 Hr Mortgage customers, and we have always been extremely happy and thrilled with the fast, efficient, and reliable service the team provides. We have never gone anywhere else as Scott and the team does everything. It is essentially one stop shopping with the 24 Hr Mortgage team. We secured out first home loan through the 24 Hr Mortgage team when our credit was not good. Just recently, we also completed out latest refinancing through the 24 Hr Mortgage team when our credit was great. My wife and I highly recommend the 24 Hr Mortgage team. There really is no need to go anywhere else to obtain your home loan as the 24 Hr Mortgage team is readily available to serve you with all of your needs.

~Patrick M.


The Hill Team is the BEST! First time home buyers using a VA loan in the Bay Area, any one of these three instances could’ve made our experience impossible but it wasn’t thanks to the Hill Team. It took a while to get an offer accepted and we even switched realtors during the search but the one thing that remained consistent was the Hill Team; their knowledge, vigilance, reassurance and excellent communication was outstanding throughout this process. They go above and beyond in their explanation (Scott’s personalized videos are awesome!) and their hard work and dedication is apparent throughout the process (I’m in awe of Lisa’s meticulousness and organization). Even our new realtor and escrow officer, who had not worked with them before, made several comments on how great it was to work with them. My husband and I feel very lucky to have worked with the Hill Team and we would absolutely recommend family and friends to them. To all those qualified to use VA loan, be assured that the Hill Team can make this happen for you and your family. This team is so knowledgeable regarding the requirements and specifics of VA. Don’t hesitate to use the Hill Team and don’t hesitate to use this type of loan that you worked so hard to be qualified for.

~Andrea S.


My fiancée and I purchased our first home in 2014 with ease and clarity using 24 Hr Mortgage Mortgage. When our jobs meant we would have to move Scott, Lisa and the team were able to help wrap our heads around our home turning into a rental, without any benefit on their part. Recently when we wanted to refinance we wouldn’t have wanted to talk to anyone else. Even though we don’t live in the area anymore they were super helpful in getting us the best rate and explained everything along the way.

Home buying and refinancing is not as easy as the tv ads make it look. 24 Hr Mortgage Mortgage will help make it as easy as possible for your situation.

We highly recommend.

-Cassie F.


Scott and Lisa Hill has been a pleasure to work with and their team is just as great! I’ve had the privilege of working with these individuals for the first time and let me tell you, they’re guidance and knowledge in helping me get my first home with my husband has been a great experience. They are “doers” and I’m so glad we had the opportunity to work with them. I wouldn’t do business with any other company.

My husband and I had a unique situation because it was a family owned home. There were a lot of players involved and just trying to gather paperwork/information and having them signed by my mother overseas and getting them back was a challenge in itself. I am not exaggerating, we had to extend a couple of times because we were waiting on paperwork overseas. Sometimes I felt like throwing in the towel but Scott, Lisa and their team were there to tell me that everything will be ok. They worked diligently with us and I always felt comfortable emailing them questions and knowing that I would get a quick response back. I love that they would send us videos via email to explain the process.

We started our process with The Hill Team in October 2016 and just closed our loan process today, Feb 2017. Like I said, it was a unique situation because of the various players and moving parts in the process. I’m glad we hung in there and now we are debt free and we own our very first home. this is a dream come true for me and my family, to own a home, and I owe it all to the Hill Team for doing what they do best! We would definitely come back and refer our friends, families and co-workers to The Hill Team! Thank you all!

-Sarah T.


I am extremely happy with my experience with Scott Hill and his team! They took the time to explain every detail of the refinance process. They were in constant communication with me. If I was missing anything they promptly pointed it out. If I didn’t understand something, they took the time to explain it. They were always available and really walked me through the entire process. I had peace of mind from the beginning with prequals all the way to close. They even communicated through customized videos to accommodate my schedule. Loved it!

There’s no doubt that my next refi/purchase will be financed with Scott and his team. Absolutely will recommend them to friends and family. Scott, Lisa and Pauline: you guys truly go above and beyond! Thank you for making the process so painless and smooth!

~Dan L.


Buying a home is incredibly nerve wracking at times but the entire Hill Team works together to make every aspect of the process go as smooth as possible. Pauline went out of her way to help us gather our documents, Scott spent hours breaking down the process so we walked away feeling confident and knowledgeable (he even spoke to us from 8pm-10pm one night), and Lisa “made it happen”. I would recommend them to anyone and everyone.

~Donya M.


The Hill team is fantastic!!!  With a loan to value of only 25% the underwriters wanted so much information I finally gave them my shoe size (12M).  I would have given up except for Scott and Lisa Hill.  They really made the deal work.

~Wayne K.


This was our 4th loan with the Hill Team and we couldn’t be happier! They always keep us on track through the process, too so we can close as smoothly and quickly as possible. And they are always available to answer questions and do so in a way that helps you better understand the loan qualification process!

~Lauren K.


Scott and Lisa Hill and their awesome team has helped me and my husband through the loan process. It was a long process but they were informative and helpful in every step of the way. This was our first time dealing with this type of loan and they’ve worked so hard to help us get our loan approved. We are thankful and grateful for everything. I would highly recommend 24 Hr Mortgage Mortgage to friends and families. Great group of people to work with!

~Sarah T.


Dear Team,

We want to express how grateful both Rudy and I are for all the support and determination in getting us over (dragging) the finish line.  I respect all of you for your commitment to excellence and patience for nutty home buyers. Also we appreciate you getting us into our new home for the holidays! We wish you and your families a Very Happy Holiday! Happy Holidays!

~Christine V.


They’re not just pretty faces. 😀
Scott, Lisa and Pauline are knowledgeable, pleasant, prompt in responding, and go out of their way to give incredible service. They made sure I understood every step of the process, and worked hard to get me the best rate. 100% recommended.
~Carolyn S.


The Hill team continues to exceed expectations with their communication, knowledge and professionalism. With the guidance of Scott and Lisa Hill, my family has bought two homes, and refinanced one.  each experience has been outstanding. The personal guidance we received from the Hill team eliminated confusion and educated us each step of the way.  Their response time is unmatched. Their patience with our continuing questions was amazing. No matter if you are a first time buyer, or a seasoned buyer, the Hill team will exceed your expectations.
~Dianna C.


We just closed escrow yesterday on the beautiful house we fell in love with. The Hill Team’s professionalism and eagerness to help with this daunting process was beyond words. Becca is amazing and a good emotional support. Her efficiency to drops one liner updates on the status of the loan were stress relieving. Lisa’s extensive knowledge about the underwriting process avoided the last minute hassles to get the papers together. Scott’s calming phone calls were just what I needed at anxious times. He is very thorough, knowledgeable and detail oriented to the market trends. They made this experience very delightful for us. They made it possible to close the escrow in 3 weeks. I would highly recommend the Hill Team whoever is looking for perfect mortgage experience. From a novice to a expert they treat you like a star and gave us their undivided attention. Their availability to answer our questions meant a lot to us. I will certainly be using them again in near future. Thanks again Hill Team.
~ Widwant K.


This is a #1 Team in every possible aspect! Scott and Lisa each offer services that complement the entire mortgage experience and then you add in Becca, and voila, it’s just perfect. My husband and I had a fairly complicated transaction due to a Realtor that wasn’t very communicative, but Scott and Lisa were there to fill the gaps with their expertise, support, and follow through that proved to be essential in closing. Our experience was the perfect mix of extreme professionalism, humor, and the dedication/support that you would offer to a family member. Many thanks to the Hill Team!
~ Denise E.


The Scott Hill Team is amazing. They were recommended to us by our real estate agent. They got us our loan quickly and with no problems. They kept us up to date every step of the way and Lisa was very helpful with what paperwork we needed to get to them and when.
Becca has continued to be helpful with questions and Scott has even called since our close to see how things are going.
I will definitely recommend them!
~ Kathy M.


Scott and his team were recommended to us by a friend and we’re so glad that we called them. Our relationship with The Scott Hill team started almost 18 months before we actually bought our home. We were purchasing our first home here in the US and About took the time to meet with us and explain what to expect each step of the way. I appreciated his ‘no pressure’ approach and the touch-base calls as we got all of our ducks in a row. Once we did finally enter escrow the full Hill Team was working for us. They efficiently enabled us to sign and submit all of the required documentation electronically which was so helpful. I also thought it was cool how Scott used video messages to help us better understand the information we needed to decide on. It was the first time out realtor had worked with Scott’s team and she was super impressed! Overall Scott and his team offer a very professional yet personal approach to financing your home.
~ Keilani B.


My husband and I just closed escrow on the refi on our home.The Hill Team is absolutely amazing. The Team walks you through the process every step of the way. Lisa has extensive experience with underwriting which helps with any possible obstacles. Becca was fantastic with daily updates, via email or phone calls. Scott of course is the fearless Leader who ensures all I’s are dotted and T’s are crossed. We are so happy with the process and the Hill Team. Many referrals headed their way!!!
Thanks Team.
~ Beth A.


Scott, Lisa and Becca were with us every step of the way in our home purchase adventure! They guided us seamlessly through the VA loan process, and kept us informed and encouraged. Highly recommend this professional team!
~ Felisa I.


After working with Scott Hill and his team I am happy to refer them to others. I have every confidence that they worked hard to get me the best loan and rate for my refinance. Their attention to detail and dedication to us as clients was felt throughout the process. They kept us up to date, responded to all of my questions (and there were zillions), and were approachable throughout the process. Our situation was complicated by short credit and job histories and many other factors and they were able to help us complete a successful application. I expect their diligence and the quality of their work is felt by all of their clients. I would use them again and will refer them to those I know. I say, if you have a mountain to climb, start with the Hills! Thank you Hill Team
~ Micara K.


If I could give a 6th star, I would! In three and a half weeks I was able to secure a loan and was given the keys to my new place. When I decided I wanted to purchase my condo, I had no idea of the process or the documentation I needed. Lisa, Scott and Becca guided me through the process with patience and expertise. I was continually kept in the loop, next steps were thoroughly explained to me, and when I called, someone always answered. I appreciated the videos explaining the purpose and importance of each step. The check lists of the documents I needed was easy to understand and follow, and their responses to my questions over the phone were helpful and encouraging. My e-mails were immediately acknowledged, and I felt confident in their expertise. Although this was my first time buying a home, it was obvious that this was not their first time supporting a first time home buyer! I highly recommend this GREAT Team!
~ Carol G.


We entered into a home purchase contract very quickly. Our Realtor asked The Hill Team if we would be able to do a 3 week close. They said yes! I did scramble to get all the necessary paperwork to them as quickly as possible and upfront. Lisa was very instrumental in keeping me focused and getting what was needed prior to loan submission to the underwriters. I was able to gather information and provided it as needed and helped the process to go smoothly. We were able to close on time with time to spare. I work in the title industry and have the opportunity to work with many lenders and I was completely impressed with the Hill Team. They were dilegent and got the job done and it was smooth and successful!
Thank you Hill Team!
Happy buyer in Santa Cruz!
~ Nancy C.


The Hill Team helped us with our most recent re-fi. We had been in an FHA loan with a monthly mortgage insurance payment for years. Our new traditional 30-year loan is locked in at a low rate, and we eliminated MIP. Scott, Lisa and Becca explained the process every step of the way and were available 24/7 with any questions we had.
~ Sarah S.


Scott, Lisa and Becca are an awsome team! I recently refinanced my home with their help and found them to be very helpful, thorough, professional, responsive and knowledgeable. A great experience overall and I highly recommend them!
~ Tammy F.


Once again the Hill Team knocked it out of the park.  I recently refinanced my loan to take advantage of the reduction in mortgage insurance percentage.  It couldn’t have went smoother.  The Hill Team made themselves available to answer any of my questions.  Scott even made videos to answer my questions when our schedules were conflicting.  Not only does the Hill Team guide you through the process, they educate you and explain why the decision are great ones.  Don’t bother looking anywhere else these guys are fantastic.
~ Damian T.


I would like to thank the Hill team for helping my family obtain the best mortgage rate by advising us on how to get out of the credit card debt thus increasing our credit worthiness. Scott, Lisa and Becca were very patient and informative. They did not mind answering all of our questions. I know we made the right decisions with their sound advises. In addition to that the Hill team uses some of the latest document exchange formats that enabled me as the customer to submit and update our documentation via online document exchange. I believe you can trust Scott Hill and the Hill and I highly recommend using 24 Hr Mortgage Mortgage.
~ George & Sirma


I highly recommend the Hill Team.  They are extremely knowledgeable, patient, and organized.  Scott gave us great insight into getting a financial plan in order two years before we even made our first offer on a house.  His team kept in touch with us throughout that time period to check on the progress of our plan.  Once we were ready, they guided us through the entire process with excellent communication.  Very happy we were able to work with them!!
~Tim H.


I first spoke with Scott and his team about 18 months before I actually bought a home.  He helped me put a financial game plan together and understand where I needed to be able to make it all work.  Fast-forward 16 months – my wife and I were ready to move forward and Scott’s team kept us organized and helped get all our info together.  Within 60 days we had made an offer on a house and closed without issue.  Scott’s team kept us informed (this was our first time) and answered hundreds of questions so that we kept comfortable.

I’ve heard horror stories from friends and family who have gone through the process so I expected something similar but we were so organized, thanks to Scott’s team, we sailed through the process with ease.

I was referred to Scott by a good friend and I would refer him to anyone who needed a great mortgage broker.
~M H.


We just purchased our first home and are thrilled! We were very fortunate to have Scott and his team Lisa, and Becca help out through the entire process. They were super helpful and made the process easy. The entire team was always easy to reach with any questions or any concerns and responded very prompt each and every time. Overall, they are an awesome team and I would highly recommend them !!!!
~ Maria T.


Scott and his team were recommended to me by my sister, after she had gotten a mortgage from them a few years ago.  As a first time home buyer, I came to the table not knowing much about the home-buying and mortgage process.  From the start, Scott did an excellent job of explaining the entire process.  His team answered all the questions I had along the way and worked hard to close on a very short time frame.  I just closed and know that I made the right choice working with Scott, Lisa and Becca.
~Jessi K.


When the value of my home was finally at a point where I might be ready to refinance, I called several loan companies. Not one of them called me back. Russ Warrick of Inter Real Estate recommended Scott Hill. Scott not only contacted me right away, but worked with me while I waited for the market to move in the right direction. He kept in contact and I appreciated that very much. Once I was ready, his team made the process almost seamless. We started the loan process mid September and it funded today.  Scott’s team was proactive in communication and always responsive to my questions and concerns.
THANK YOU!!!
~Cheryle P.


Hello all,

Becca- thanks for the nice voice mails lately, sorry I didn’t reply back. It has been crazy busy past few days. We are super excited about the news and so happy all done. Could not have done without you all for sure.

Got your yelp email. Totally happy to give an awesome review and referrals!!!!!

Scott and Lisa, all the numerous emails and calls last minute I did, thanks for being 110% all the time

Thanks again all!!!!

~Robyn and Steve


I haven’t taken the time to thank you and your staff for all the help several months ago when you helped us with the purchase of our home but I’d like to do that now.
Your staff went above and beyond to make sure we understood the process each and every step of the way. I am sure my voice is still ringing in Leensey’s ear!
We have made it a point to recommend your group to our friends when they have asked which mortgage company we used.
So, thank you for being there for us when we needed your service. We are positive we will turn to you and your staff in the future as our go-to mortgage company!!
~ Paul & Robin M.


Scott, you Lisa, & Becca have been great to work with. You made the process easier. We are very happy we came to you for our refi.
~Jay & Susan L.


Scott and his team are great. I was referred to 24 Hr Mortgage by a friend of mine for a refinance I was considering. As this was my first time having dealt with a mortgage company I  had no idea what to expect. Needless to say my loan recorded and I couldn’t be happier about my experience.
Their staff is knowledgeable, prompt and polite. As another Yelper mentioned, their communication IS second to none! I will definitely be seeing Scott and his team again!
Thank you so much Scott, Lisa, Leensey and Becca!
~ Brendan & Mysti


Thanks Scott, Lisa and Becca for helping us in our first home purchase. When we met Scott for the first time, we had so many questions regarding obtaining a loan. He simplified the whole process and made sure we understood everything about it. We left the place with a clear mind and feeling more confident. Special mention should go to Lisa for her great work and her fast response time. She was always there when we had questions and we had lots of them. Excellent team and would recommend them to anyone who are looking to purchase or refinance a home.
~Girish V.


Scott and Lisa were awesome to work with. I have used them twice. I trust them thoroughly and their communication is 2nd to none. They have a sense of urgency and work as though they’re trying to obtain a mortgage/refi themselves! Good people. Long after both transactions were completed, they called to make sure everything was okay and asked if I had any questions. You rarely get that in the business world. I will be using them again.
~ Damon B.


Just completed my 2nd mortgage and the experience was once again- great.
The Hill team was knowledgeable, communicative, and accessible. Scott set me up with all the necessary paperwork and requirements during our first meeting, I received a phone call every Tuesday with updates from Becca, I was given explicit instructions on what I needed to provide in email from Becca/Lisa, and I was kept informed of changes so my expectations were in line with the timing reality. I got caught with the gov’t shut down trying to get tax documents from the IRS and Scott and Lisa worked with the lender to make sure the rate and progress we had made were intact beyond the original timing deadlines.
I would recommend the Hill Team to anyone looking to work with an organization who knows the business, is actively engaged in the process, and is professional and communicative.
Thanks Hill Team!
~ Kimberly D


The Hill Team put it into high gear and got us closed early so that we could move into our home before Christmas, couldn’t have asked for a better gift. The whole process was totally new to my wife and I so we were initially very intimidated, but Scott explained everything in very easy to understand terms and answered “freak out” questions that first time buyers often have. Thanks guys and good work!
~ Brian R.


Scott, Lisa and Becca just helped us obtain a mortgage on a property in San Jose and I cannot say enough good things about the whole experience. They are honest, conscious, and thorough in every aspect. If you need a good team to help with a mortgage this is the place to go!
~ HUGH & JANET M


Thank you Scott for helping us go through our home purchase and making it so easy for us.
Scott and his team were available to answer any of our questions throughout and made us feel at ease while going through one of the biggest purchases in our lives.
We have recommended some of our friends who are also going through the same thing or looking to refinance.
~ Michelle D.


I initially walked into Scott’s office sometime in 2008 or 2009. I met with Scott to learn what I needed to do in order to become a first-time homebuyer. He gave me a lot of really great information and my wife and I left his office with a 9-12 month plan on paying down our debts and improving our credit scores.

Towards the end of that 12 months, we approached Scott again and were quickly pre-approved for a little over our target budget. When we found the house we wanted, Scott and his team were absolutely instrumental in helping us navigate the short-sale process. The entire process took about 3-6 months (due to the selling bank dragging its heels) and Scott’s team gave us periodic status updates whether or not there was any new information.

We bought the house in October 2010, and just recently (July 2013) refinanced the mortgage with Scott’s team. The refinance was a breeze and they found a way for us to save a couple hundred dollars a month and we actually made money off the refinance (our out-of-pocket closing costs were less than the amount we got back from escrow).

The Hill Team is very friendly, responsive, & reachable, and they are able to handle many requests and documents online through e-mail. They are a great resource for first-time homebuyers and actively remain engaged throughout the entire process, even years after the loan closes.
~ Jeremy W.


We met Scott and Lisa in 2008, as we were applying for a mortgage to buy our first home.  They were so helpful and made us feel very comfortable right away.  Scott answered all our questions, and did not make us feel bad for asking lots of “newbie” questions!  And, they were very easy to work with remotely (they even came to our house to pick up and sign several documents), which made all the paperwork much easier.  5 years later, they helped us refinance our current home and got us a great rate, so we are saving a ton of money.  We plan to work with them again when we are ready to buy again.
~ Vickie K.


After several months with a very frustrating other lender, we contacted Scott & Lisa and they pushed our paperwork through in record time…we even closed our FHA loan early!  Can’t tell you how easy they are to work with!!!

Never again will we work with anyone else.
Woot, woot, woot!!!  Three cheers for the Hill Team
~ Lauren K.


We had a great experience with Scott and Lisa. We had a tricky mortgage and they did a great job of finding us a lender, which allowed us to move into our dream home. They were very fast to respond to all queries, professional, and knowledgeable about the various types of mortgages. I’d highly recommend them.
~ J.M.


This was the second time we used The Hill Team. We couldn’t be happier. Their response to our needs was fantastic as was their promptness in processing our loan. When an issue would arise there counseling would facilitate solutions to a successful end. “Becca” their office assistant is a great addition to their team. Her professional demeanor and cheerfulness is a definite asset to the Hill Team. We would definitely recommend Scott and Sandy Hill to our friends and family.
~ Al & Tick M.


When the home purchase process was initiated, I received a phone call from Scott Hill.  The phone call was to introduce himself and to let me know his number one goal above all else was to get me into the house. The Hill team did just that!  Albeit it was not easy, Scott and Becca supported Lisa Hill who was simply extraordinary and over the top with help and service.  Lisa proceeded to help me gather all the paperwork and present it for the first time.  Then the work really started, Lisa knew what I needed to accomplish in a relatively short period of time and we began the process of pleasing the underwriters one issue at a time. At the end of the entire process, Lisa had me looking the way I needed to look to be a homeowner.  I now own my own home, have an affordable payment, and received a great interest rate.  I absolutely cannot recommend a better Mortgage Team than the Scott Hill Team and I can only imagine how many others would have given up on me to help clients possibly in better shape than me and requiring less help.  Lisa achieved the Scott Hill goal and put me into the house!  Thanks Lisa!
~Craig S.


I was a first time home buyer and I started with one of the major banks.  It was a very frustrating experience that the major bank loan officer didn’t response to my questions and bank changed the loan officer a couple times.  Then, my real estate agent introduced me to Scott Hill of 24 Hr Mortgage Mortgage. The experience was totally different started from the first day I met Scott and his team.
During the first meeting, Scott walked me through the whole home purchase process in details and answered my questions and concerns patiently.  He showed me how much house I could afford based on my actual down payment and monthly income and expenses; then, came up with a conservative estimation so I would not be surprised at the end.  The estimation was very accurate indeed.  He was very clear to me what to expect with the documentation requirements.

From start to finish, Scott and his team were knowledgeable, helpful and responsive. Lisa Hill, who in-charge of the loan documentation and submission, was on top of the process all the way through.  Any information needed was communicated immediately and my questions were addressed promptly. Rebecca Vehn contacted me every week throughout the process providing status update and I never needed to call asking for what happened. Scott Hill team was all accessible during office hours and excellent with emails for the times I had to reach out to them after hours.

Also, Scott and Lisa were working closely with my real estate agent so everyone had full knowledge of what was going on and I didn’t have to be the one who communicate the information. It was very helpful considering my busy work schedule.  Scott Hill team surely made my first time buying experience simple and pleasant.  The most impressive was that Scott called the selling agent right after I made an offer providing information and confident about my background and promising speed up the loan process.  I believe it was an important factor for me to secure the house at the hot North Valley (San Jose) market.

Also, at the day I signed the escrow, both Scott and Faye, my real estate agent, showed up and ensure everything’s done properly. It was great to have them around since it was the first time for me to sign that much documents and they helped to explain things immediately.  It was a pleasure doing business with Scott, Lisa and the whole Scott Hill team. I highly recommend Scott and certainly will work with him again.
~Joe C.


My husband and I found a home we wanted to purchase, but were unsure who to turn to for financing. The pre-qual through the bank seemed very sterile and impersonal. Our realtor recommended Scott Hill and The Hill Team and said everyone she has referred them to has been very pleased with their loan service. This is true in our case as well; our experience with The Hill Team could not have been better. Buying a home is stressful but Scott and Lisa’s expertise and competence were very obvious as we engaged in the process, so we knew we were in good hands. Plus, they were very nice and genuine people, and were responsive to questions day and night. The process was fast-paced and intense at times but I think their efficiency is what makes them so good. All we had to do was provide them with information and documentation and they took care of everything. They told us that they project closing costs on the high side to avoid any surprises but they usually turn out to be much less. We prepared for the projected amount and were extremely relieved and happy when final closing costs were over $4k less than we were expecting. We were still in “sticker shock” from CA home prices so that was REALLY nice! We highly recommend The Hill Team!
~ Shannon M.


Scott and Lisa Hill at 24 Hr Mortgage Mortgage provided excellent guidance and assistance with our recent refinancing.  They were attentive and responsive and provided good advice to accommodate our specific situation.  We always understood where we were at in the process, what came next and the timing we should expect.  We would highly recommend them.
~ Meggen G


I recently had the pleasure to work with Lisa and Scott.  I had a great experience as their team was very competent and attentive.  Lisa and I ended up developing a rapport via email due to my many questions.  I was not only impressed with her ability to answer my questions but also by how quickly she was able to do so.  I have and will continue to recommend their office to friends and family.  GOOD JOB TEAM HILL!
~ Dustin M.


Working with the Hill Team was fantastic!  It was a breath of fresh air to work with professional’s that were quick to respond, well organized and gave me update status of my re-finance loan.

Thank you Scott and Lisa!!
~ Christine V.


I have been very  lucky to come across Scott and Lisa who have made my job  as a real estate agent so pleasant.  Real estate can be a very lonely business and having them on my side makes me feel much better. They have become my very good friends and I love it.  I wish all real estate agents had a team like Hill team working with them.  They take the stress out of my job.  Over all THEY ARE THE BEST in the loan industry!!!
~ Faye B.


I’ve just completed the purchase of my first home, and I couldn’t be more satisfied with the service I received from Scott and Lisa.  This turned out to be a lengthy short sale and they were there for me the whole way.  Scott explained the process in detail and made me feel comfortable with what seemed like a daunting ordeal.  Lisa collected all the needed documents from me along the way and kept me updated on the loan progress.  They’ve made it clear that I can call them with any questions or concerns I may have even “after the sale”.  I wouldn’t hesitate to work with them again in the future.
~ Frank W.


Scott and Lisa, thanks for getting us the best loan for our house. You were very helpful, meticulous and understanding over a period of 2 months – starting from the initial estimate and ending in the final conversion/closing. Could not have done this without you guys.
~ Anirban B


My wife and I had a fantastic experience with Lisa and Scott on our mortgage refi.  They took what was to us a complicated process and really simplified it, answering all of our questions and making us feel like their top priority.  Every step of the way, it felt like they were looking out for OUR best interests.
~ Jeff S.


Where in the world would I begin?!  I have worked with this team for many years and they have always, I mean ALWAYS been a force to be reckoned with.  They are professional, timely, efficient, and real.  They only want to do what is best for the client.  I work with COUNTLESS loan brokers and they stand above the crowd because of how they handle their clients and treat those that work with them.  I have handled refinances for the same borrowers for years that continue to return to them because of who they are.  Honest, professional and completely unbelievably able to make magic happen for those that thought they could or would never qualify.  I am honored to be able to work with them on a daily basis.  In my career, it has always been about quality not quantity, but for them, whether it is in high quantity of business and stressful deadlines, the quality NEVER subsides.
~ Lisa N.


The Hill team is awesome hands down!  From the first meeting with Scott, I knew this was the firm to go with.  His wife Lisa rocks! She is sharp, quick and detailed.  She answered all our questions and went above and beyond to help us.  She was very pleasant to work with and got the job done.  She would email me and then follow-up with a phone call which was great.  Everything she said on the phone, you got it in writing. I would HIGHLY recommend 24 Hr Mortgage Mortgage for your home buying needs!
~ Danielle F.


I started house hunting 2 years ago and the challenges of today’s market made for a long and arduous process.

Luckily I had The Hill Team on my side.  They were with me every step of the way.  From assistance in resolving credit issues, to navigating the shark infested waters of short-sale loan process, to securing a great loan at an awesome rate, to hand-holding during the final days right up to funding and recording.  Their perseverance and patience was amazing and I highly recommend their services!
Good job guys, thanks.
~ Amber K.


So easy a caveman could refinance! I sat back and relaxed and the Hill team did all the work. The communication was better than you could ever imagine. I would recommend refinancing with them to anyone and everyone considering it. 5 stars doesn’t do my experience justice, I give them 6 stars. This is no hype just a happy customer saving big money each month now.
~ Jason L.


As a professional real estate agent, I am always on the lookout for top professionals to work with in order to serve my client’s interests in the best way possible.

Scott and his wife Lisa make a perfect team and I have recommended them on many occasions. I have lost count of all the clients we have helped together but I can say that every one of them has been expertly cared for and in every case, the loan and the process has met or exceeded my client’s high expectations.

I don’t hesitate to recommend Scott and his wife to my clients as I know that the end result will be delighted clients and a happy end to the close of escrow. As a team they have never failed to close an escrow in a timely manner.

If you are reading this, you should not hesitate to give them a call. While it is possible you can find someone else equally talented, it is far more likely that you will find someone instead that is less capable and the stress and potential costs associated with working with someone that isn’t an expert is often frighteningly high.
~ Steve K.


I have known the Hill Team personally and professionally for many years.  Besides being amazing people, they are a complete joy to work with.  They make the loan process easy and fast! You are always kept up to date with the status of your loan on a weekly basis.  I always looked forward to this part because since they are so personable, its fun getting to talk to them.

They know so much about the business and have so much experience in their field that I never question anything they tell me to do.  They have given me great advice and have always had my best interests in mind.

They helped my husband and I buy our first house in 2011.  From the moment that we finally decided to take the plunge, I called Scott and he had me pre-approved within a week or so.  Since we bought a short-sale, the process was a little shaky at times and it was extremely stressful, but they kept me as calm as possible throughout the entire process. In the end, the Hill’s made the purchase of my first home possible.  Without them, it would not have happened.  I am so thankful to have them to call on when I need help with my loan.

Aside from doing a great job on the purchase, I just closed on a refinance.  For months, they kept an eye on the rates and when the time was right Lisa called me, told me how much savings I would get and within less than a month, my rate dropped a whole percentage point!  They have saved me thousands because they use a proactive approach to their business.  Their clients are really important to them and the Hill’s will always look out for what’s best for you!  I would NEVER think of working with anyone else because they really are the BEST at what they do!

Great service, excellent follow-through, life-long financial advice and being in the presence of great people are what you can expect from working with the Hill Team!
~ Emily G.

See What Our Valued Clients Are Saying…

Scott and Lisa Hill has been a pleasure to work with and their team is just as great! I’ve had the privilege of working with these individuals for the first time and let me tell you, they’re guidance and knowledge in helping me get my first home with my husband has been a great experience. They are “doers” and I’m so glad we had the opportunity to work with them. I wouldn’t do business with any other company.

My husband and I had a unique situation because it was a family owned home. There were a lot of players involved and just trying to gather paperwork/information and having them signed by my mother overseas and getting them back was a challenge in itself. I am not exaggerating, we had to extend a couple of times because we were waiting on paperwork overseas. Sometimes I felt like throwing in the towel but Scott, Lisa and their team were there to tell me that everything will be ok. They worked diligently with us and I always felt comfortable emailing them questions and knowing that I would get a quick response back. I love that they would send us videos via email to explain the process.

We started our process with The Hill Team in October 2016 and just closed our loan process today, Feb 2017. Like I said, it was a unique situation because of the various players and moving parts in the process. I’m glad we hung in there and now we are debt free and we own our very first home. this is a dream come true for me and my family, to own a home, and I owe it all to the Hill Team for doing what they do best! We would definitely come back and refer our friends, families and co-workers to The Hill Team! Thank you all!

-Sarah T.


I am extremely happy with my experience with Scott Hill and his team! They took the time to explain every detail of the refinance process. They were in constant communication with me. If I was missing anything they promptly pointed it out. If I didn’t understand something, they took the time to explain it. They were always available and really walked me through the entire process. I had peace of mind from the beginning with prequals all the way to close. They even communicated through customized videos to accommodate my schedule. Loved it!

There’s no doubt that my next refi/purchase will be financed with Scott and his team. Absolutely will recommend them to friends and family. Scott, Lisa and Pauline: you guys truly go above and beyond! Thank you for making the process so painless and smooth!

~Dan L.


Buying a home is incredibly nerve wracking at times but the entire Hill Team works together to make every aspect of the process go as smooth as possible. Pauline went out of her way to help us gather our documents, Scott spent hours breaking down the process so we walked away feeling confident and knowledgeable (he even spoke to us from 8pm-10pm one night), and Lisa “made it happen”. I would recommend them to anyone and everyone.

~Donya M.


This was our 4th loan with the Hill Team and we couldn’t be happier! They always keep us on track through the process, too so we can close as smoothly and quickly as possible. And they are always available to answer questions and do so in a way that helps you better understand the loan qualification process!

~Lauren K.


Scott and Lisa Hill and their awesome team has helped me and my husband through the loan process. It was a long process but they were informative and helpful in every step of the way. This was our first time dealing with this type of loan and they’ve worked so hard to help us get our loan approved. We are thankful and grateful for everything. I would highly recommend American Pacific Mortgage to friends and families. Great group of people to work with!

~Sarah. T


Dear Team,

We want to express how grateful both Rudy and I are for all the support and determination in getting us over (dragging) the finish line.  I respect all of you for your commitment to excellence and patience for nutty home buyers. Also we appreciate you getting us into our new home for the holidays! We wish you and your families a Very Happy Holiday! Happy Holidays!

~Christine V.


They’re not just pretty faces. 😀
Scott, Lisa and Pauline are knowledgeable, pleasant, prompt in responding, and go out of their way to give incredible service. They made sure I understood every step of the process, and worked hard to get me the best rate. 100% recommended.
~Carolyn S.


The Hill team continues to exceed expectations with their communication, knowledge and professionalism. With the guidance of Scott and Lisa Hill, my family has bought two homes, and refinanced one.  each experience has been outstanding. The personal guidance we received from the Hill team eliminated confusion and educated us each step of the way.  Their response time is unmatched. Their patience with our continuing questions was amazing. No matter if you are a first time buyer, or a seasoned buyer, the Hill team will exceed your expectations.
~Dianna C.


We just closed escrow yesterday on the beautiful house we fell in love with. The Hill Team’s professionalism and eagerness to help with this daunting process was beyond words. Becca is amazing and a good emotional support. Her efficiency to drops one liner updates on the status of the loan were stress relieving. Lisa’s extensive knowledge about the underwriting process avoided the last minute hassles to get the papers together. Scott’s calming phone calls were just what I needed at anxious times. He is very thorough, knowledgeable and detail oriented to the market trends. They made this experience very delightful for us. They made it possible to close the escrow in 3 weeks. I would highly recommend the Hill Team whoever is looking for perfect mortgage experience. From a novice to a expert they treat you like a star and gave us their undivided attention. Their availability to answer our questions meant a lot to us. I will certainly be using them again in near future. Thanks again Hill Team.
~ Widwant K.


This is a #1 Team in every possible aspect! Scott and Lisa each offer services that complement the entire mortgage experience and then you add in Becca, and voila, it’s just perfect. My husband and I had a fairly complicated transaction due to a Realtor that wasn’t very communicative, but Scott and Lisa were there to fill the gaps with their expertise, support, and follow through that proved to be essential in closing. Our experience was the perfect mix of extreme professionalism, humor, and the dedication/support that you would offer to a family member. Many thanks to the Hill Team!
~ Denise E.


The Scott Hill Team is amazing. They were recommended to us by our real estate agent. They got us our loan quickly and with no problems. They kept us up to date every step of the way and Lisa was very helpful with what paperwork we needed to get to them and when.
Becca has continued to be helpful with questions and Scott has even called since our close to see how things are going.
I will definitely recommend them!
~ Kathy M.


Scott and his team were recommended to us by a friend and we’re so glad that we called them. Our relationship with The Scott Hill team started almost 18 months before we actually bought our home. We were purchasing our first home here in the US and About took the time to meet with us and explain what to expect each step of the way. I appreciated his ‘no pressure’ approach and the touch-base calls as we got all of our ducks in a row. Once we did finally enter escrow the full Hill Team was working for us. They efficiently enabled us to sign and submit all of the required documentation electronically which was so helpful. I also thought it was cool how Scott used video messages to help us better understand the information we needed to decide on. It was the first time out realtor had worked with Scott’s team and she was super impressed! Overall Scott and his team offer a very professional yet personal approach to financing your home.
~ Keilani B.


My husband and I just closed escrow on the refi on our home.The Hill Team is absolutely amazing. The Team walks you through the process every step of the way. Lisa has extensive experience with underwriting which helps with any possible obstacles. Becca was fantastic with daily updates, via email or phone calls. Scott of course is the fearless Leader who ensures all I’s are dotted and T’s are crossed. We are so happy with the process and the Hill Team. Many referrals headed their way!!!
Thanks Team.
~ Beth A.


Scott, Lisa and Becca were with us every step of the way in our home purchase adventure! They guided us seamlessly through the VA loan process, and kept us informed and encouraged. Highly recommend this professional team!
~ Felisa I.


After working with Scott Hill and his team I am happy to refer them to others. I have every confidence that they worked hard to get me the best loan and rate for my refinance. Their attention to detail and dedication to us as clients was felt throughout the process. They kept us up to date, responded to all of my questions (and there were zillions), and were approachable throughout the process. Our situation was complicated by short credit and job histories and many other factors and they were able to help us complete a successful application. I expect their diligence and the quality of their work is felt by all of their clients. I would use them again and will refer them to those I know. I say, if you have a mountain to climb, start with the Hills! Thank you Hill Team
~ Micara K.


If I could give a 6th star, I would! In three and a half weeks I was able to secure a loan and was given the keys to my new place. When I decided I wanted to purchase my condo, I had no idea of the process or the documentation I needed. Lisa, Scott and Becca guided me through the process with patience and expertise. I was continually kept in the loop, next steps were thoroughly explained to me, and when I called, someone always answered. I appreciated the videos explaining the purpose and importance of each step. The check lists of the documents I needed was easy to understand and follow, and their responses to my questions over the phone were helpful and encouraging. My e-mails were immediately acknowledged, and I felt confident in their expertise. Although this was my first time buying a home, it was obvious that this was not their first time supporting a first time home buyer! I highly recommend this GREAT Team!
~ Carol G.


We entered into a home purchase contract very quickly. Our Realtor asked The Hill Team if we would be able to do a 3 week close. They said yes! I did scramble to get all the necessary paperwork to them as quickly as possible and upfront. Lisa was very instrumental in keeping me focused and getting what was needed prior to loan submission to the underwriters. I was able to gather information and provided it as needed and helped the process to go smoothly. We were able to close on time with time to spare. I work in the title industry and have the opportunity to work with many lenders and I was completely impressed with the Hill Team. They were dilegent and got the job done and it was smooth and successful!
Thank you Hill Team!
Happy buyer in Santa Cruz!
~ Nancy C.


The Hill Team helped us with our most recent re-fi. We had been in an FHA loan with a monthly mortgage insurance payment for years. Our new traditional 30-year loan is locked in at a low rate, and we eliminated MIP. Scott, Lisa and Becca explained the process every step of the way and were available 24/7 with any questions we had.
~ Sarah S.


Scott, Lisa and Becca are an awsome team! I recently refinanced my home with their help and found them to be very helpful, thorough, professional, responsive and knowledgeable. A great experience overall and I highly recommend them!
~ Tammy F.


Once again the Hill Team knocked it out of the park.  I recently refinanced my loan to take advantage of the reduction in mortgage insurance percentage.  It couldn’t have went smoother.  The Hill Team made themselves available to answer any of my questions.  Scott even made videos to answer my questions when our schedules were conflicting.  Not only does the Hill Team guide you through the process, they educate you and explain why the decision are great ones.  Don’t bother looking anywhere else these guys are fantastic.
~ Damian T.


I would like to thank the Hill team for helping my family obtain the best mortgage rate by advising us on how to get out of the credit card debt thus increasing our credit worthiness. Scott, Lisa and Becca were very patient and informative. They did not mind answering all of our questions. I know we made the right decisions with their sound advises. In addition to that the Hill team uses some of the latest document exchange formats that enabled me as the customer to submit and update our documentation via online document exchange. I believe you can trust Scott Hill and the Hill and I highly recommend using American Pacific Mortgage.
~ George & Sirma


I highly recommend the Hill Team.  They are extremely knowledgeable, patient, and organized.  Scott gave us great insight into getting a financial plan in order two years before we even made our first offer on a house.  His team kept in touch with us throughout that time period to check on the progress of our plan.  Once we were ready, they guided us through the entire process with excellent communication.  Very happy we were able to work with them!!
~Tim H.


I first spoke with Scott and his team about 18 months before I actually bought a home.  He helped me put a financial game plan together and understand where I needed to be able to make it all work.  Fast-forward 16 months – my wife and I were ready to move forward and Scott’s team kept us organized and helped get all our info together.  Within 60 days we had made an offer on a house and closed without issue.  Scott’s team kept us informed (this was our first time) and answered hundreds of questions so that we kept comfortable.

I’ve heard horror stories from friends and family who have gone through the process so I expected something similar but we were so organized, thanks to Scott’s team, we sailed through the process with ease.

I was referred to Scott by a good friend and I would refer him to anyone who needed a great mortgage broker.
~M H.


We just purchased our first home and are thrilled! We were very fortunate to have Scott and his team Lisa, and Becca help out through the entire process. They were super helpful and made the process easy. The entire team was always easy to reach with any questions or any concerns and responded very prompt each and every time. Overall, they are an awesome team and I would highly recommend them !!!!
~ Maria T.


Scott and his team were recommended to me by my sister, after she had gotten a mortgage from them a few years ago.  As a first time home buyer, I came to the table not knowing much about the home-buying and mortgage process.  From the start, Scott did an excellent job of explaining the entire process.  His team answered all the questions I had along the way and worked hard to close on a very short time frame.  I just closed and know that I made the right choice working with Scott, Lisa and Becca.
~Jessi K.


When the value of my home was finally at a point where I might be ready to refinance, I called several loan companies. Not one of them called me back. Russ Warrick of Inter Real Estate recommended Scott Hill. Scott not only contacted me right away, but worked with me while I waited for the market to move in the right direction. He kept in contact and I appreciated that very much. Once I was ready, his team made the process almost seamless. We started the loan process mid September and it funded today.  Scott’s team was proactive in communication and always responsive to my questions and concerns.
THANK YOU!!!
~Cheryle P.


Hello all,

Becca- thanks for the nice voice mails lately, sorry I didn’t reply back. It has been crazy busy past few days. We are super excited about the news and so happy all done. Could not have done without you all for sure.

Got your yelp email. Totally happy to give an awesome review and referrals!!!!!

Scott and Lisa, all the numerous emails and calls last minute I did, thanks for being 110% all the time

Thanks again all!!!!

~Robyn and Steve


I haven’t taken the time to thank you and your staff for all the help several months ago when you helped us with the purchase of our home but I’d like to do that now.
Your staff went above and beyond to make sure we understood the process each and every step of the way. I am sure my voice is still ringing in Leensey’s ear!
We have made it a point to recommend your group to our friends when they have asked which mortgage company we used.
So, thank you for being there for us when we needed your service. We are positive we will turn to you and your staff in the future as our go-to mortgage company!!
~ Paul & Robin M.


Scott, you Lisa, & Becca have been great to work with. You made the process easier. We are very happy we came to you for our refi.
~Jay & Susan L.


Scott and his team are great. I was referred to APM by a friend of mine for a refinance I was considering. As this was my first time having dealt with a mortgage company I  had no idea what to expect. Needless to say my loan recorded and I couldn’t be happier about my experience.
Their staff is knowledgeable, prompt and polite. As another Yelper mentioned, their communication IS second to none! I will definitely be seeing Scott and his team again!
Thank you so much Scott, Lisa, Leensey and Becca!
~ Brendan & Mysti


Thanks Scott, Lisa and Becca for helping us in our first home purchase. When we met Scott for the first time, we had so many questions regarding obtaining a loan. He simplified the whole process and made sure we understood everything about it. We left the place with a clear mind and feeling more confident. Special mention should go to Lisa for her great work and her fast response time. She was always there when we had questions and we had lots of them. Excellent team and would recommend them to anyone who are looking to purchase or refinance a home.
~Girish V.


Scott and Lisa were awesome to work with. I have used them twice. I trust them thoroughly and their communication is 2nd to none. They have a sense of urgency and work as though they’re trying to obtain a mortgage/refi themselves! Good people. Long after both transactions were completed, they called to make sure everything was okay and asked if I had any questions. You rarely get that in the business world. I will be using them again.
~ Damon B.


Just completed my 2nd mortgage and the experience was once again- great.
The Hill team was knowledgeable, communicative, and accessible. Scott set me up with all the necessary paperwork and requirements during our first meeting, I received a phone call every Tuesday with updates from Becca, I was given explicit instructions on what I needed to provide in email from Becca/Lisa, and I was kept informed of changes so my expectations were in line with the timing reality. I got caught with the gov’t shut down trying to get tax documents from the IRS and Scott and Lisa worked with the lender to make sure the rate and progress we had made were intact beyond the original timing deadlines.
I would recommend the Hill Team to anyone looking to work with an organization who knows the business, is actively engaged in the process, and is professional and communicative.
Thanks Hill Team!
~ Kimberly D


The Hill Team put it into high gear and got us closed early so that we could move into our home before Christmas, couldn’t have asked for a better gift. The whole process was totally new to my wife and I so we were initially very intimidated, but Scott explained everything in very easy to understand terms and answered “freak out” questions that first time buyers often have. Thanks guys and good work!
~ Brian R.


Scott, Lisa and Becca just helped us obtain a mortgage on a property in San Jose and I cannot say enough good things about the whole experience. They are honest, conscious, and thorough in every aspect. If you need a good team to help with a mortgage this is the place to go!
~ HUGH & JANET M


Thank you Scott for helping us go through our home purchase and making it so easy for us.
Scott and his team were available to answer any of our questions throughout and made us feel at ease while going through one of the biggest purchases in our lives.
We have recommended some of our friends who are also going through the same thing or looking to refinance.
~ Michelle D.


I initially walked into Scott’s office sometime in 2008 or 2009. I met with Scott to learn what I needed to do in order to become a first-time homebuyer. He gave me a lot of really great information and my wife and I left his office with a 9-12 month plan on paying down our debts and improving our credit scores.

Towards the end of that 12 months, we approached Scott again and were quickly pre-approved for a little over our target budget. When we found the house we wanted, Scott and his team were absolutely instrumental in helping us navigate the short-sale process. The entire process took about 3-6 months (due to the selling bank dragging its heels) and Scott’s team gave us periodic status updates whether or not there was any new information.

We bought the house in October 2010, and just recently (July 2013) refinanced the mortgage with Scott’s team. The refinance was a breeze and they found a way for us to save a couple hundred dollars a month and we actually made money off the refinance (our out-of-pocket closing costs were less than the amount we got back from escrow).

The Hill Team is very friendly, responsive, & reachable, and they are able to handle many requests and documents online through e-mail. They are a great resource for first-time homebuyers and actively remain engaged throughout the entire process, even years after the loan closes.
~ Jeremy W.


We met Scott and Lisa in 2008, as we were applying for a mortgage to buy our first home.  They were so helpful and made us feel very comfortable right away.  Scott answered all our questions, and did not make us feel bad for asking lots of “newbie” questions!  And, they were very easy to work with remotely (they even came to our house to pick up and sign several documents), which made all the paperwork much easier.  5 years later, they helped us refinance our current home and got us a great rate, so we are saving a ton of money.  We plan to work with them again when we are ready to buy again.
~ Vickie K.


After several months with a very frustrating other lender, we contacted Scott & Lisa and they pushed our paperwork through in record time…we even closed our FHA loan early!  Can’t tell you how easy they are to work with!!!

Never again will we work with anyone else.
Woot, woot, woot!!!  Three cheers for the Hill Team
~ Lauren K.


We had a great experience with Scott and Lisa. We had a tricky mortgage and they did a great job of finding us a lender, which allowed us to move into our dream home. They were very fast to respond to all queries, professional, and knowledgeable about the various types of mortgages. I’d highly recommend them.
~ J.M.


This was the second time we used The Hill Team. We couldn’t be happier. Their response to our needs was fantastic as was their promptness in processing our loan. When an issue would arise there counseling would facilitate solutions to a successful end. “Becca” their office assistant is a great addition to their team. Her professional demeanor and cheerfulness is a definite asset to the Hill Team. We would definitely recommend Scott and Sandy Hill to our friends and family.
~ Al & Tick M.


When the home purchase process was initiated, I received a phone call from Scott Hill.  The phone call was to introduce himself and to let me know his number one goal above all else was to get me into the house. The Hill team did just that!  Albeit it was not easy, Scott and Becca supported Lisa Hill who was simply extraordinary and over the top with help and service.  Lisa proceeded to help me gather all the paperwork and present it for the first time.  Then the work really started, Lisa knew what I needed to accomplish in a relatively short period of time and we began the process of pleasing the underwriters one issue at a time. At the end of the entire process, Lisa had me looking the way I needed to look to be a homeowner.  I now own my own home, have an affordable payment, and received a great interest rate.  I absolutely cannot recommend a better Mortgage Team than the Scott Hill Team and I can only imagine how many others would have given up on me to help clients possibly in better shape than me and requiring less help.  Lisa achieved the Scott Hill goal and put me into the house!  Thanks Lisa!
~Craig S.


I was a first time home buyer and I started with one of the major banks.  It was a very frustrating experience that the major bank loan officer didn’t response to my questions and bank changed the loan officer a couple times.  Then, my real estate agent introduced me to Scott Hill of American Pacific Mortgage. The experience was totally different started from the first day I met Scott and his team.
During the first meeting, Scott walked me through the whole home purchase process in details and answered my questions and concerns patiently.  He showed me how much house I could afford based on my actual down payment and monthly income and expenses; then, came up with a conservative estimation so I would not be surprised at the end.  The estimation was very accurate indeed.  He was very clear to me what to expect with the documentation requirements.

From start to finish, Scott and his team were knowledgeable, helpful and responsive. Lisa Hill, who in-charge of the loan documentation and submission, was on top of the process all the way through.  Any information needed was communicated immediately and my questions were addressed promptly. Rebecca Vehn contacted me every week throughout the process providing status update and I never needed to call asking for what happened. Scott Hill team was all accessible during office hours and excellent with emails for the times I had to reach out to them after hours.

Also, Scott and Lisa were working closely with my real estate agent so everyone had full knowledge of what was going on and I didn’t have to be the one who communicate the information. It was very helpful considering my busy work schedule.  Scott Hill team surely made my first time buying experience simple and pleasant.  The most impressive was that Scott called the selling agent right after I made an offer providing information and confident about my background and promising speed up the loan process.  I believe it was an important factor for me to secure the house at the hot North Valley (San Jose) market.

Also, at the day I signed the escrow, both Scott and Faye, my real estate agent, showed up and ensure everything’s done properly. It was great to have them around since it was the first time for me to sign that much documents and they helped to explain things immediately.  It was a pleasure doing business with Scott, Lisa and the whole Scott Hill team. I highly recommend Scott and certainly will work with him again.
~Joe C.


My husband and I found a home we wanted to purchase, but were unsure who to turn to for financing. The pre-qual through the bank seemed very sterile and impersonal. Our realtor recommended Scott Hill and The Hill Team and said everyone she has referred them to has been very pleased with their loan service. This is true in our case as well; our experience with The Hill Team could not have been better. Buying a home is stressful but Scott and Lisa’s expertise and competence were very obvious as we engaged in the process, so we knew we were in good hands. Plus, they were very nice and genuine people, and were responsive to questions day and night. The process was fast-paced and intense at times but I think their efficiency is what makes them so good. All we had to do was provide them with information and documentation and they took care of everything. They told us that they project closing costs on the high side to avoid any surprises but they usually turn out to be much less. We prepared for the projected amount and were extremely relieved and happy when final closing costs were over $4k less than we were expecting. We were still in “sticker shock” from CA home prices so that was REALLY nice! We highly recommend The Hill Team!
~ Shannon M.


Scott and Lisa Hill at American Pacific Mortgage provided excellent guidance and assistance with our recent refinancing.  They were attentive and responsive and provided good advice to accommodate our specific situation.  We always understood where we were at in the process, what came next and the timing we should expect.  We would highly recommend them.
~ Meggen G


I recently had the pleasure to work with Lisa and Scott.  I had a great experience as their team was very competent and attentive.  Lisa and I ended up developing a rapport via email due to my many questions.  I was not only impressed with her ability to answer my questions but also by how quickly she was able to do so.  I have and will continue to recommend their office to friends and family.  GOOD JOB TEAM HILL!
~ Dustin M.


Working with the Hill Team was fantastic!  It was a breath of fresh air to work with professional’s that were quick to respond, well organized and gave me update status of my re-finance loan.

Thank you Scott and Lisa!!
~ Christine V.


I have been very  lucky to come across Scott and Lisa who have made my job  as a real estate agent so pleasant.  Real estate can be a very lonely business and having them on my side makes me feel much better. They have become my very good friends and I love it.  I wish all real estate agents had a team like Hill team working with them.  They take the stress out of my job.  Over all THEY ARE THE BEST in the loan industry!!!
~ Faye B.


I’ve just completed the purchase of my first home, and I couldn’t be more satisfied with the service I received from Scott and Lisa.  This turned out to be a lengthy short sale and they were there for me the whole way.  Scott explained the process in detail and made me feel comfortable with what seemed like a daunting ordeal.  Lisa collected all the needed documents from me along the way and kept me updated on the loan progress.  They’ve made it clear that I can call them with any questions or concerns I may have even “after the sale”.  I wouldn’t hesitate to work with them again in the future.
~ Frank W.


Scott and Lisa, thanks for getting us the best loan for our house. You were very helpful, meticulous and understanding over a period of 2 months – starting from the initial estimate and ending in the final conversion/closing. Could not have done this without you guys.
~ Anirban B


My wife and I had a fantastic experience with Lisa and Scott on our mortgage refi.  They took what was to us a complicated process and really simplified it, answering all of our questions and making us feel like their top priority.  Every step of the way, it felt like they were looking out for OUR best interests.
~ Jeff S.


Where in the world would I begin?!  I have worked with this team for many years and they have always, I mean ALWAYS been a force to be reckoned with.  They are professional, timely, efficient, and real.  They only want to do what is best for the client.  I work with COUNTLESS loan brokers and they stand above the crowd because of how they handle their clients and treat those that work with them.  I have handled refinances for the same borrowers for years that continue to return to them because of who they are.  Honest, professional and completely unbelievably able to make magic happen for those that thought they could or would never qualify.  I am honored to be able to work with them on a daily basis.  In my career, it has always been about quality not quantity, but for them, whether it is in high quantity of business and stressful deadlines, the quality NEVER subsides.
~ Lisa N.


The Hill team is awesome hands down!  From the first meeting with Scott, I knew this was the firm to go with.  His wife Lisa rocks! She is sharp, quick and detailed.  She answered all our questions and went above and beyond to help us.  She was very pleasant to work with and got the job done.  She would email me and then follow-up with a phone call which was great.  Everything she said on the phone, you got it in writing. I would HIGHLY recommend American Pacific Mortgage for your home buying needs!
~ Danielle F.


I started house hunting 2 years ago and the challenges of today’s market made for a long and arduous process.

Luckily I had The Hill Team on my side.  They were with me every step of the way.  From assistance in resolving credit issues, to navigating the shark infested waters of short-sale loan process, to securing a great loan at an awesome rate, to hand-holding during the final days right up to funding and recording.  Their perseverance and patience was amazing and I highly recommend their services!
Good job guys, thanks.
~ Amber K.


So easy a caveman could refinance! I sat back and relaxed and the Hill team did all the work. The communication was better than you could ever imagine. I would recommend refinancing with them to anyone and everyone considering it. 5 stars doesn’t do my experience justice, I give them 6 stars. This is no hype just a happy customer saving big money each month now.
~ Jason L.


As a professional real estate agent, I am always on the lookout for top professionals to work with in order to serve my client’s interests in the best way possible.

Scott and his wife Lisa make a perfect team and I have recommended them on many occasions. I have lost count of all the clients we have helped together but I can say that every one of them has been expertly cared for and in every case, the loan and the process has met or exceeded my client’s high expectations.

I don’t hesitate to recommend Scott and his wife to my clients as I know that the end result will be delighted clients and a happy end to the close of escrow. As a team they have never failed to close an escrow in a timely manner.

If you are reading this, you should not hesitate to give them a call. While it is possible you can find someone else equally talented, it is far more likely that you will find someone instead that is less capable and the stress and potential costs associated with working with someone that isn’t an expert is often frighteningly high.
~ Steve K.


I have known the Hill Team personally and professionally for many years.  Besides being amazing people, they are a complete joy to work with.  They make the loan process easy and fast! You are always kept up to date with the status of your loan on a weekly basis.  I always looked forward to this part because since they are so personable, its fun getting to talk to them.

They know so much about the business and have so much experience in their field that I never question anything they tell me to do.  They have given me great advice and have always had my best interests in mind.

They helped my husband and I buy our first house in 2011.  From the moment that we finally decided to take the plunge, I called Scott and he had me pre-approved within a week or so.  Since we bought a short-sale, the process was a little shaky at times and it was extremely stressful, but they kept me as calm as possible throughout the entire process. In the end, the Hill’s made the purchase of my first home possible.  Without them, it would not have happened.  I am so thankful to have them to call on when I need help with my loan.

Aside from doing a great job on the purchase, I just closed on a refinance.  For months, they kept an eye on the rates and when the time was right Lisa called me, told me how much savings I would get and within less than a month, my rate dropped a whole percentage point!  They have saved me thousands because they use a proactive approach to their business.  Their clients are really important to them and the Hill’s will always look out for what’s best for you!  I would NEVER think of working with anyone else because they really are the BEST at what they do!

Great service, excellent follow-through, life-long financial advice and being in the presence of great people are what you can expect from working with the Hill Team!
~ Emily G.

See What Our Valued Clients Are Saying…

Scott and Lisa Hill has been a pleasure to work with and their team is just as great! I’ve had the privilege of working with these individuals for the first time and let me tell you, they’re guidance and knowledge in helping me get my first home with my husband has been a great experience. They are “doers” and I’m so glad we had the opportunity to work with them. I wouldn’t do business with any other company.

My husband and I had a unique situation because it was a family owned home. There were a lot of players involved and just trying to gather paperwork/information and having them signed by my mother overseas and getting them back was a challenge in itself. I am not exaggerating, we had to extend a couple of times because we were waiting on paperwork overseas. Sometimes I felt like throwing in the towel but Scott, Lisa and their team were there to tell me that everything will be ok. They worked diligently with us and I always felt comfortable emailing them questions and knowing that I would get a quick response back. I love that they would send us videos via email to explain the process.

We started our process with The Hill Team in October 2016 and just closed our loan process today, Feb 2017. Like I said, it was a unique situation because of the various players and moving parts in the process. I’m glad we hung in there and now we are debt free and we own our very first home. this is a dream come true for me and my family, to own a home, and I owe it all to the Hill Team for doing what they do best! We would definitely come back and refer our friends, families and co-workers to The Hill Team! Thank you all!

-Sarah T.


I am extremely happy with my experience with Scott Hill and his team! They took the time to explain every detail of the refinance process. They were in constant communication with me. If I was missing anything they promptly pointed it out. If I didn’t understand something, they took the time to explain it. They were always available and really walked me through the entire process. I had peace of mind from the beginning with prequals all the way to close. They even communicated through customized videos to accommodate my schedule. Loved it!

There’s no doubt that my next refi/purchase will be financed with Scott and his team. Absolutely will recommend them to friends and family. Scott, Lisa and Pauline: you guys truly go above and beyond! Thank you for making the process so painless and smooth!

~Dan L.


Buying a home is incredibly nerve wracking at times but the entire Hill Team works together to make every aspect of the process go as smooth as possible. Pauline went out of her way to help us gather our documents, Scott spent hours breaking down the process so we walked away feeling confident and knowledgeable (he even spoke to us from 8pm-10pm one night), and Lisa “made it happen”. I would recommend them to anyone and everyone.

~Donya M.


This was our 4th loan with the Hill Team and we couldn’t be happier! They always keep us on track through the process, too so we can close as smoothly and quickly as possible. And they are always available to answer questions and do so in a way that helps you better understand the loan qualification process!

~Lauren K.


Scott and Lisa Hill and their awesome team has helped me and my husband through the loan process. It was a long process but they were informative and helpful in every step of the way. This was our first time dealing with this type of loan and they’ve worked so hard to help us get our loan approved. We are thankful and grateful for everything. I would highly recommend American Pacific Mortgage to friends and families. Great group of people to work with!

~Sarah. T


Dear Team,

We want to express how grateful both Rudy and I are for all the support and determination in getting us over (dragging) the finish line.  I respect all of you for your commitment to excellence and patience for nutty home buyers. Also we appreciate you getting us into our new home for the holidays! We wish you and your families a Very Happy Holiday! Happy Holidays!

~Christine V.


They’re not just pretty faces. 😀
Scott, Lisa and Pauline are knowledgeable, pleasant, prompt in responding, and go out of their way to give incredible service. They made sure I understood every step of the process, and worked hard to get me the best rate. 100% recommended.
~Carolyn S.


The Hill team continues to exceed expectations with their communication, knowledge and professionalism. With the guidance of Scott and Lisa Hill, my family has bought two homes, and refinanced one.  each experience has been outstanding. The personal guidance we received from the Hill team eliminated confusion and educated us each step of the way.  Their response time is unmatched. Their patience with our continuing questions was amazing. No matter if you are a first time buyer, or a seasoned buyer, the Hill team will exceed your expectations.
~Dianna C.


We just closed escrow yesterday on the beautiful house we fell in love with. The Hill Team’s professionalism and eagerness to help with this daunting process was beyond words. Becca is amazing and a good emotional support. Her efficiency to drops one liner updates on the status of the loan were stress relieving. Lisa’s extensive knowledge about the underwriting process avoided the last minute hassles to get the papers together. Scott’s calming phone calls were just what I needed at anxious times. He is very thorough, knowledgeable and detail oriented to the market trends. They made this experience very delightful for us. They made it possible to close the escrow in 3 weeks. I would highly recommend the Hill Team whoever is looking for perfect mortgage experience. From a novice to a expert they treat you like a star and gave us their undivided attention. Their availability to answer our questions meant a lot to us. I will certainly be using them again in near future. Thanks again Hill Team.
~ Widwant K.


This is a #1 Team in every possible aspect! Scott and Lisa each offer services that complement the entire mortgage experience and then you add in Becca, and voila, it’s just perfect. My husband and I had a fairly complicated transaction due to a Realtor that wasn’t very communicative, but Scott and Lisa were there to fill the gaps with their expertise, support, and follow through that proved to be essential in closing. Our experience was the perfect mix of extreme professionalism, humor, and the dedication/support that you would offer to a family member. Many thanks to the Hill Team!
~ Denise E.


The Scott Hill Team is amazing. They were recommended to us by our real estate agent. They got us our loan quickly and with no problems. They kept us up to date every step of the way and Lisa was very helpful with what paperwork we needed to get to them and when.
Becca has continued to be helpful with questions and Scott has even called since our close to see how things are going.
I will definitely recommend them!
~ Kathy M.


Scott and his team were recommended to us by a friend and we’re so glad that we called them. Our relationship with The Scott Hill team started almost 18 months before we actually bought our home. We were purchasing our first home here in the US and About took the time to meet with us and explain what to expect each step of the way. I appreciated his ‘no pressure’ approach and the touch-base calls as we got all of our ducks in a row. Once we did finally enter escrow the full Hill Team was working for us. They efficiently enabled us to sign and submit all of the required documentation electronically which was so helpful. I also thought it was cool how Scott used video messages to help us better understand the information we needed to decide on. It was the first time out realtor had worked with Scott’s team and she was super impressed! Overall Scott and his team offer a very professional yet personal approach to financing your home.
~ Keilani B.


My husband and I just closed escrow on the refi on our home.The Hill Team is absolutely amazing. The Team walks you through the process every step of the way. Lisa has extensive experience with underwriting which helps with any possible obstacles. Becca was fantastic with daily updates, via email or phone calls. Scott of course is the fearless Leader who ensures all I’s are dotted and T’s are crossed. We are so happy with the process and the Hill Team. Many referrals headed their way!!!
Thanks Team.
~ Beth A.


Scott, Lisa and Becca were with us every step of the way in our home purchase adventure! They guided us seamlessly through the VA loan process, and kept us informed and encouraged. Highly recommend this professional team!
~ Felisa I.


After working with Scott Hill and his team I am happy to refer them to others. I have every confidence that they worked hard to get me the best loan and rate for my refinance. Their attention to detail and dedication to us as clients was felt throughout the process. They kept us up to date, responded to all of my questions (and there were zillions), and were approachable throughout the process. Our situation was complicated by short credit and job histories and many other factors and they were able to help us complete a successful application. I expect their diligence and the quality of their work is felt by all of their clients. I would use them again and will refer them to those I know. I say, if you have a mountain to climb, start with the Hills! Thank you Hill Team
~ Micara K.


If I could give a 6th star, I would! In three and a half weeks I was able to secure a loan and was given the keys to my new place. When I decided I wanted to purchase my condo, I had no idea of the process or the documentation I needed. Lisa, Scott and Becca guided me through the process with patience and expertise. I was continually kept in the loop, next steps were thoroughly explained to me, and when I called, someone always answered. I appreciated the videos explaining the purpose and importance of each step. The check lists of the documents I needed was easy to understand and follow, and their responses to my questions over the phone were helpful and encouraging. My e-mails were immediately acknowledged, and I felt confident in their expertise. Although this was my first time buying a home, it was obvious that this was not their first time supporting a first time home buyer! I highly recommend this GREAT Team!
~ Carol G.


We entered into a home purchase contract very quickly. Our Realtor asked The Hill Team if we would be able to do a 3 week close. They said yes! I did scramble to get all the necessary paperwork to them as quickly as possible and upfront. Lisa was very instrumental in keeping me focused and getting what was needed prior to loan submission to the underwriters. I was able to gather information and provided it as needed and helped the process to go smoothly. We were able to close on time with time to spare. I work in the title industry and have the opportunity to work with many lenders and I was completely impressed with the Hill Team. They were dilegent and got the job done and it was smooth and successful!
Thank you Hill Team!
Happy buyer in Santa Cruz!
~ Nancy C.


The Hill Team helped us with our most recent re-fi. We had been in an FHA loan with a monthly mortgage insurance payment for years. Our new traditional 30-year loan is locked in at a low rate, and we eliminated MIP. Scott, Lisa and Becca explained the process every step of the way and were available 24/7 with any questions we had.
~ Sarah S.


Scott, Lisa and Becca are an awsome team! I recently refinanced my home with their help and found them to be very helpful, thorough, professional, responsive and knowledgeable. A great experience overall and I highly recommend them!
~ Tammy F.


Once again the Hill Team knocked it out of the park.  I recently refinanced my loan to take advantage of the reduction in mortgage insurance percentage.  It couldn’t have went smoother.  The Hill Team made themselves available to answer any of my questions.  Scott even made videos to answer my questions when our schedules were conflicting.  Not only does the Hill Team guide you through the process, they educate you and explain why the decision are great ones.  Don’t bother looking anywhere else these guys are fantastic.
~ Damian T.


I would like to thank the Hill team for helping my family obtain the best mortgage rate by advising us on how to get out of the credit card debt thus increasing our credit worthiness. Scott, Lisa and Becca were very patient and informative. They did not mind answering all of our questions. I know we made the right decisions with their sound advises. In addition to that the Hill team uses some of the latest document exchange formats that enabled me as the customer to submit and update our documentation via online document exchange. I believe you can trust Scott Hill and the Hill and I highly recommend using American Pacific Mortgage.
~ George & Sirma


I highly recommend the Hill Team.  They are extremely knowledgeable, patient, and organized.  Scott gave us great insight into getting a financial plan in order two years before we even made our first offer on a house.  His team kept in touch with us throughout that time period to check on the progress of our plan.  Once we were ready, they guided us through the entire process with excellent communication.  Very happy we were able to work with them!!
~Tim H.


I first spoke with Scott and his team about 18 months before I actually bought a home.  He helped me put a financial game plan together and understand where I needed to be able to make it all work.  Fast-forward 16 months – my wife and I were ready to move forward and Scott’s team kept us organized and helped get all our info together.  Within 60 days we had made an offer on a house and closed without issue.  Scott’s team kept us informed (this was our first time) and answered hundreds of questions so that we kept comfortable.

I’ve heard horror stories from friends and family who have gone through the process so I expected something similar but we were so organized, thanks to Scott’s team, we sailed through the process with ease.

I was referred to Scott by a good friend and I would refer him to anyone who needed a great mortgage broker.
~M H.


We just purchased our first home and are thrilled! We were very fortunate to have Scott and his team Lisa, and Becca help out through the entire process. They were super helpful and made the process easy. The entire team was always easy to reach with any questions or any concerns and responded very prompt each and every time. Overall, they are an awesome team and I would highly recommend them !!!!
~ Maria T.


Scott and his team were recommended to me by my sister, after she had gotten a mortgage from them a few years ago.  As a first time home buyer, I came to the table not knowing much about the home-buying and mortgage process.  From the start, Scott did an excellent job of explaining the entire process.  His team answered all the questions I had along the way and worked hard to close on a very short time frame.  I just closed and know that I made the right choice working with Scott, Lisa and Becca.
~Jessi K.


When the value of my home was finally at a point where I might be ready to refinance, I called several loan companies. Not one of them called me back. Russ Warrick of Inter Real Estate recommended Scott Hill. Scott not only contacted me right away, but worked with me while I waited for the market to move in the right direction. He kept in contact and I appreciated that very much. Once I was ready, his team made the process almost seamless. We started the loan process mid September and it funded today.  Scott’s team was proactive in communication and always responsive to my questions and concerns.
THANK YOU!!!
~Cheryle P.


Hello all,

Becca- thanks for the nice voice mails lately, sorry I didn’t reply back. It has been crazy busy past few days. We are super excited about the news and so happy all done. Could not have done without you all for sure.

Got your yelp email. Totally happy to give an awesome review and referrals!!!!!

Scott and Lisa, all the numerous emails and calls last minute I did, thanks for being 110% all the time

Thanks again all!!!!

~Robyn and Steve


I haven’t taken the time to thank you and your staff for all the help several months ago when you helped us with the purchase of our home but I’d like to do that now.
Your staff went above and beyond to make sure we understood the process each and every step of the way. I am sure my voice is still ringing in Leensey’s ear!
We have made it a point to recommend your group to our friends when they have asked which mortgage company we used.
So, thank you for being there for us when we needed your service. We are positive we will turn to you and your staff in the future as our go-to mortgage company!!
~ Paul & Robin M.


Scott, you Lisa, & Becca have been great to work with. You made the process easier. We are very happy we came to you for our refi.
~Jay & Susan L.


Scott and his team are great. I was referred to APM by a friend of mine for a refinance I was considering. As this was my first time having dealt with a mortgage company I  had no idea what to expect. Needless to say my loan recorded and I couldn’t be happier about my experience.
Their staff is knowledgeable, prompt and polite. As another Yelper mentioned, their communication IS second to none! I will definitely be seeing Scott and his team again!
Thank you so much Scott, Lisa, Leensey and Becca!
~ Brendan & Mysti


Thanks Scott, Lisa and Becca for helping us in our first home purchase. When we met Scott for the first time, we had so many questions regarding obtaining a loan. He simplified the whole process and made sure we understood everything about it. We left the place with a clear mind and feeling more confident. Special mention should go to Lisa for her great work and her fast response time. She was always there when we had questions and we had lots of them. Excellent team and would recommend them to anyone who are looking to purchase or refinance a home.
~Girish V.


Scott and Lisa were awesome to work with. I have used them twice. I trust them thoroughly and their communication is 2nd to none. They have a sense of urgency and work as though they’re trying to obtain a mortgage/refi themselves! Good people. Long after both transactions were completed, they called to make sure everything was okay and asked if I had any questions. You rarely get that in the business world. I will be using them again.
~ Damon B.


Just completed my 2nd mortgage and the experience was once again- great.
The Hill team was knowledgeable, communicative, and accessible. Scott set me up with all the necessary paperwork and requirements during our first meeting, I received a phone call every Tuesday with updates from Becca, I was given explicit instructions on what I needed to provide in email from Becca/Lisa, and I was kept informed of changes so my expectations were in line with the timing reality. I got caught with the gov’t shut down trying to get tax documents from the IRS and Scott and Lisa worked with the lender to make sure the rate and progress we had made were intact beyond the original timing deadlines.
I would recommend the Hill Team to anyone looking to work with an organization who knows the business, is actively engaged in the process, and is professional and communicative.
Thanks Hill Team!
~ Kimberly D


The Hill Team put it into high gear and got us closed early so that we could move into our home before Christmas, couldn’t have asked for a better gift. The whole process was totally new to my wife and I so we were initially very intimidated, but Scott explained everything in very easy to understand terms and answered “freak out” questions that first time buyers often have. Thanks guys and good work!
~ Brian R.


Scott, Lisa and Becca just helped us obtain a mortgage on a property in San Jose and I cannot say enough good things about the whole experience. They are honest, conscious, and thorough in every aspect. If you need a good team to help with a mortgage this is the place to go!
~ HUGH & JANET M


Thank you Scott for helping us go through our home purchase and making it so easy for us.
Scott and his team were available to answer any of our questions throughout and made us feel at ease while going through one of the biggest purchases in our lives.
We have recommended some of our friends who are also going through the same thing or looking to refinance.
~ Michelle D.


I initially walked into Scott’s office sometime in 2008 or 2009. I met with Scott to learn what I needed to do in order to become a first-time homebuyer. He gave me a lot of really great information and my wife and I left his office with a 9-12 month plan on paying down our debts and improving our credit scores.

Towards the end of that 12 months, we approached Scott again and were quickly pre-approved for a little over our target budget. When we found the house we wanted, Scott and his team were absolutely instrumental in helping us navigate the short-sale process. The entire process took about 3-6 months (due to the selling bank dragging its heels) and Scott’s team gave us periodic status updates whether or not there was any new information.

We bought the house in October 2010, and just recently (July 2013) refinanced the mortgage with Scott’s team. The refinance was a breeze and they found a way for us to save a couple hundred dollars a month and we actually made money off the refinance (our out-of-pocket closing costs were less than the amount we got back from escrow).

The Hill Team is very friendly, responsive, & reachable, and they are able to handle many requests and documents online through e-mail. They are a great resource for first-time homebuyers and actively remain engaged throughout the entire process, even years after the loan closes.
~ Jeremy W.


We met Scott and Lisa in 2008, as we were applying for a mortgage to buy our first home.  They were so helpful and made us feel very comfortable right away.  Scott answered all our questions, and did not make us feel bad for asking lots of “newbie” questions!  And, they were very easy to work with remotely (they even came to our house to pick up and sign several documents), which made all the paperwork much easier.  5 years later, they helped us refinance our current home and got us a great rate, so we are saving a ton of money.  We plan to work with them again when we are ready to buy again.
~ Vickie K.


After several months with a very frustrating other lender, we contacted Scott & Lisa and they pushed our paperwork through in record time…we even closed our FHA loan early!  Can’t tell you how easy they are to work with!!!

Never again will we work with anyone else.
Woot, woot, woot!!!  Three cheers for the Hill Team
~ Lauren K.


We had a great experience with Scott and Lisa. We had a tricky mortgage and they did a great job of finding us a lender, which allowed us to move into our dream home. They were very fast to respond to all queries, professional, and knowledgeable about the various types of mortgages. I’d highly recommend them.
~ J.M.


This was the second time we used The Hill Team. We couldn’t be happier. Their response to our needs was fantastic as was their promptness in processing our loan. When an issue would arise there counseling would facilitate solutions to a successful end. “Becca” their office assistant is a great addition to their team. Her professional demeanor and cheerfulness is a definite asset to the Hill Team. We would definitely recommend Scott and Sandy Hill to our friends and family.
~ Al & Tick M.


When the home purchase process was initiated, I received a phone call from Scott Hill.  The phone call was to introduce himself and to let me know his number one goal above all else was to get me into the house. The Hill team did just that!  Albeit it was not easy, Scott and Becca supported Lisa Hill who was simply extraordinary and over the top with help and service.  Lisa proceeded to help me gather all the paperwork and present it for the first time.  Then the work really started, Lisa knew what I needed to accomplish in a relatively short period of time and we began the process of pleasing the underwriters one issue at a time. At the end of the entire process, Lisa had me looking the way I needed to look to be a homeowner.  I now own my own home, have an affordable payment, and received a great interest rate.  I absolutely cannot recommend a better Mortgage Team than the Scott Hill Team and I can only imagine how many others would have given up on me to help clients possibly in better shape than me and requiring less help.  Lisa achieved the Scott Hill goal and put me into the house!  Thanks Lisa!
~Craig S.


I was a first time home buyer and I started with one of the major banks.  It was a very frustrating experience that the major bank loan officer didn’t response to my questions and bank changed the loan officer a couple times.  Then, my real estate agent introduced me to Scott Hill of American Pacific Mortgage. The experience was totally different started from the first day I met Scott and his team.
During the first meeting, Scott walked me through the whole home purchase process in details and answered my questions and concerns patiently.  He showed me how much house I could afford based on my actual down payment and monthly income and expenses; then, came up with a conservative estimation so I would not be surprised at the end.  The estimation was very accurate indeed.  He was very clear to me what to expect with the documentation requirements.

From start to finish, Scott and his team were knowledgeable, helpful and responsive. Lisa Hill, who in-charge of the loan documentation and submission, was on top of the process all the way through.  Any information needed was communicated immediately and my questions were addressed promptly. Rebecca Vehn contacted me every week throughout the process providing status update and I never needed to call asking for what happened. Scott Hill team was all accessible during office hours and excellent with emails for the times I had to reach out to them after hours.

Also, Scott and Lisa were working closely with my real estate agent so everyone had full knowledge of what was going on and I didn’t have to be the one who communicate the information. It was very helpful considering my busy work schedule.  Scott Hill team surely made my first time buying experience simple and pleasant.  The most impressive was that Scott called the selling agent right after I made an offer providing information and confident about my background and promising speed up the loan process.  I believe it was an important factor for me to secure the house at the hot North Valley (San Jose) market.

Also, at the day I signed the escrow, both Scott and Faye, my real estate agent, showed up and ensure everything’s done properly. It was great to have them around since it was the first time for me to sign that much documents and they helped to explain things immediately.  It was a pleasure doing business with Scott, Lisa and the whole Scott Hill team. I highly recommend Scott and certainly will work with him again.
~Joe C.


My husband and I found a home we wanted to purchase, but were unsure who to turn to for financing. The pre-qual through the bank seemed very sterile and impersonal. Our realtor recommended Scott Hill and The Hill Team and said everyone she has referred them to has been very pleased with their loan service. This is true in our case as well; our experience with The Hill Team could not have been better. Buying a home is stressful but Scott and Lisa’s expertise and competence were very obvious as we engaged in the process, so we knew we were in good hands. Plus, they were very nice and genuine people, and were responsive to questions day and night. The process was fast-paced and intense at times but I think their efficiency is what makes them so good. All we had to do was provide them with information and documentation and they took care of everything. They told us that they project closing costs on the high side to avoid any surprises but they usually turn out to be much less. We prepared for the projected amount and were extremely relieved and happy when final closing costs were over $4k less than we were expecting. We were still in “sticker shock” from CA home prices so that was REALLY nice! We highly recommend The Hill Team!
~ Shannon M.


Scott and Lisa Hill at American Pacific Mortgage provided excellent guidance and assistance with our recent refinancing.  They were attentive and responsive and provided good advice to accommodate our specific situation.  We always understood where we were at in the process, what came next and the timing we should expect.  We would highly recommend them.
~ Meggen G


I recently had the pleasure to work with Lisa and Scott.  I had a great experience as their team was very competent and attentive.  Lisa and I ended up developing a rapport via email due to my many questions.  I was not only impressed with her ability to answer my questions but also by how quickly she was able to do so.  I have and will continue to recommend their office to friends and family.  GOOD JOB TEAM HILL!
~ Dustin M.


Working with the Hill Team was fantastic!  It was a breath of fresh air to work with professional’s that were quick to respond, well organized and gave me update status of my re-finance loan.

Thank you Scott and Lisa!!
~ Christine V.


I have been very  lucky to come across Scott and Lisa who have made my job  as a real estate agent so pleasant.  Real estate can be a very lonely business and having them on my side makes me feel much better. They have become my very good friends and I love it.  I wish all real estate agents had a team like Hill team working with them.  They take the stress out of my job.  Over all THEY ARE THE BEST in the loan industry!!!
~ Faye B.


I’ve just completed the purchase of my first home, and I couldn’t be more satisfied with the service I received from Scott and Lisa.  This turned out to be a lengthy short sale and they were there for me the whole way.  Scott explained the process in detail and made me feel comfortable with what seemed like a daunting ordeal.  Lisa collected all the needed documents from me along the way and kept me updated on the loan progress.  They’ve made it clear that I can call them with any questions or concerns I may have even “after the sale”.  I wouldn’t hesitate to work with them again in the future.
~ Frank W.


Scott and Lisa, thanks for getting us the best loan for our house. You were very helpful, meticulous and understanding over a period of 2 months – starting from the initial estimate and ending in the final conversion/closing. Could not have done this without you guys.
~ Anirban B


My wife and I had a fantastic experience with Lisa and Scott on our mortgage refi.  They took what was to us a complicated process and really simplified it, answering all of our questions and making us feel like their top priority.  Every step of the way, it felt like they were looking out for OUR best interests.
~ Jeff S.


Where in the world would I begin?!  I have worked with this team for many years and they have always, I mean ALWAYS been a force to be reckoned with.  They are professional, timely, efficient, and real.  They only want to do what is best for the client.  I work with COUNTLESS loan brokers and they stand above the crowd because of how they handle their clients and treat those that work with them.  I have handled refinances for the same borrowers for years that continue to return to them because of who they are.  Honest, professional and completely unbelievably able to make magic happen for those that thought they could or would never qualify.  I am honored to be able to work with them on a daily basis.  In my career, it has always been about quality not quantity, but for them, whether it is in high quantity of business and stressful deadlines, the quality NEVER subsides.
~ Lisa N.


The Hill team is awesome hands down!  From the first meeting with Scott, I knew this was the firm to go with.  His wife Lisa rocks! She is sharp, quick and detailed.  She answered all our questions and went above and beyond to help us.  She was very pleasant to work with and got the job done.  She would email me and then follow-up with a phone call which was great.  Everything she said on the phone, you got it in writing. I would HIGHLY recommend American Pacific Mortgage for your home buying needs!
~ Danielle F.


I started house hunting 2 years ago and the challenges of today’s market made for a long and arduous process.

Luckily I had The Hill Team on my side.  They were with me every step of the way.  From assistance in resolving credit issues, to navigating the shark infested waters of short-sale loan process, to securing a great loan at an awesome rate, to hand-holding during the final days right up to funding and recording.  Their perseverance and patience was amazing and I highly recommend their services!
Good job guys, thanks.
~ Amber K.


So easy a caveman could refinance! I sat back and relaxed and the Hill team did all the work. The communication was better than you could ever imagine. I would recommend refinancing with them to anyone and everyone considering it. 5 stars doesn’t do my experience justice, I give them 6 stars. This is no hype just a happy customer saving big money each month now.
~ Jason L.


As a professional real estate agent, I am always on the lookout for top professionals to work with in order to serve my client’s interests in the best way possible.

Scott and his wife Lisa make a perfect team and I have recommended them on many occasions. I have lost count of all the clients we have helped together but I can say that every one of them has been expertly cared for and in every case, the loan and the process has met or exceeded my client’s high expectations.

I don’t hesitate to recommend Scott and his wife to my clients as I know that the end result will be delighted clients and a happy end to the close of escrow. As a team they have never failed to close an escrow in a timely manner.

If you are reading this, you should not hesitate to give them a call. While it is possible you can find someone else equally talented, it is far more likely that you will find someone instead that is less capable and the stress and potential costs associated with working with someone that isn’t an expert is often frighteningly high.
~ Steve K.


I have known the Hill Team personally and professionally for many years.  Besides being amazing people, they are a complete joy to work with.  They make the loan process easy and fast! You are always kept up to date with the status of your loan on a weekly basis.  I always looked forward to this part because since they are so personable, its fun getting to talk to them.

They know so much about the business and have so much experience in their field that I never question anything they tell me to do.  They have given me great advice and have always had my best interests in mind.

They helped my husband and I buy our first house in 2011.  From the moment that we finally decided to take the plunge, I called Scott and he had me pre-approved within a week or so.  Since we bought a short-sale, the process was a little shaky at times and it was extremely stressful, but they kept me as calm as possible throughout the entire process. In the end, the Hill’s made the purchase of my first home possible.  Without them, it would not have happened.  I am so thankful to have them to call on when I need help with my loan.

Aside from doing a great job on the purchase, I just closed on a refinance.  For months, they kept an eye on the rates and when the time was right Lisa called me, told me how much savings I would get and within less than a month, my rate dropped a whole percentage point!  They have saved me thousands because they use a proactive approach to their business.  Their clients are really important to them and the Hill’s will always look out for what’s best for you!  I would NEVER think of working with anyone else because they really are the BEST at what they do!

Great service, excellent follow-through, life-long financial advice and being in the presence of great people are what you can expect from working with the Hill Team!
~ Emily G.