Top 3 Mortgage Lenders in Scotland

First Community Bank of Mercersburg is a highly-rated community bank serving Southern Pennsylvania and Northern Maryland, including Scotland. With exceptional 4.8-star ratings across multiple platforms, they specialize in personalized mortgage services and competitive local rates. Their experienced loan officers provide comprehensive guidance through conventional, government-backed, and construction loans. As a community-focused institution with over 25 years of service, they offer the stability of an established bank with the personal attention of a local lender, making them a top choice for Scotland area homebuyers.

Atlantic Coast Mortgage is a top-rated regional mortgage lender with strong presence throughout Southern Maryland, including service to Scotland. With an impressive 4.9-star rating from hundreds of reviews, they are renowned for their exceptional customer service and competitive rates. Their team of experienced loan officers specializes in all major loan types with particular expertise in first-time homebuyer programs and VA loans. The company has built a stellar reputation for smooth closings and personalized service, making them one of the most recommended mortgage lenders in the St. Mary's County region.

Presidential Bank has been serving Southern Maryland communities including Scotland for over 35 years, earning a 4.7-star rating for their reliable mortgage services. As a federally chartered savings bank with deep roots in the region, they offer competitive rates and a wide range of mortgage products. Their experienced lending team provides personalized service with particular strength in conventional and investment property loans. With a physical branch conveniently located in nearby California, MD, they combine the stability of an established financial institution with the personalized attention that local homebuyers in Scotland appreciate.