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Scott Seaman
Area Manager

sseaman@houseloan.com

719-352-7077

Prequalify Now

Scott Seaman

Area Manager NMLS #449957

Buying a home or exploring a refinance? Connect with Scott to talk through your goals, ask questions, and explore your next steps.

Scott Seaman
5121 Kingdom Way
Suite 300
Raleigh, NC 27607
View all 2 locations

Meet your loan officer

About Scott

My goal is to get to know you and find the right loan for your needs. From our first conversation to closing day and beyond, you can expect a clearer, simpler, and more connected financing experience.

You deserve a mortgage professional who has your best interests at heart. That's exactly what you'll get here.

What clients say about Scott

Scott Seaman and his team were outstanding! He came recommended to us by our realtor. Throughout the whole process he was very responsive and helpful! He made everything really easy, and we would recommend him to anyone needing a mortgage loan. We are thankful for his years of expertise and detailed explanations throughout the whole process!

Sarah Ross
Source: Google | Jul 16, 2026
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We have recommended Scott for years. He has helped us and all 3 of our daughters!

Julie Whitmoyer
Source: Google | Jul 13, 2026
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Scott, Linda and his team have been an amazing group of people to work with. They were always quick to answer the phone, email and texts even on weekends to ensure the loan process went through without any issues. As a first time home buyer I had a lot of questions and he was happy to sit on the phone and talk about all of my questions and concerns. There were no surprises at closing and closing costs were even a little lower than expected which is always a plus! I'm so glad that I chose Scott and Central Bank for my loan and would highly recommend them to anyone.

Mathew Karstedt
Source: Google | May 19, 2026
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After applying and closing on several mortgages over the years, our experience with Scott Seaman and the Central Bank team has been nothing short of amazing. Today, we closed on a new mortgage (our second mortgage with Central Bank) and the entire process was so easy and smooth. We always knew where we were at in the process and everything was completed fast, which we greatly appreciate. You will not be disappointed or frustrated if you use Scott / Central Bank to assist you with your mortgage / home equity / line of credit needs. Scott's experience and wealth of knowledge with the market helped us make good decisions for our long term future. Thank you Scott!

Lyn Witt
Source: Google | Apr 29, 2026
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Scott is very helpful and honest. He's not trying to sell you something that won't work for you.

Bethany Adams
Source: Google | Apr 20, 2026
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Scott was fantastic to work with. He is very friendly and super helpful. Any questions I had, he made sure I got an answer to. This was my first time purchasing a home, and Scott's assistance and expertise in navigating the complexities of that process was incredibly valuable.

Jake N.
Source: Google | Apr 16, 2026
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Scott was very personable and able to explain the entire process from start to finish. He had energy and excitement with every phone call and never sounded stressed or upset with date changes or unforeseen events. Will absolutely be using him again.

Connor McIlhany
Source: Google | Feb 06, 2026
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Scott and his team were friendly, quick to answer our (many) first-time home-buyer questions, and offered advice for things we didn't know to expect. Though getting approved for loan and going through lots of paperwork for closing can feel like a daunting process, when you have a good guide, it goes more smoothly than you could have imagined!

Jody Byrkett Tschumperlin
Source: Google | Dec 09, 2025
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Scott and his associates are an excellent example of a team in their prime. This team has an ability to provide service, and execute for their customers in a way that helps smooth out what would normally be a stressful process. The team explains requirements, without unneeded jargon. The information becomes understandable while being actionable. I also appreciate the prompt replies to questions or scenarios. I will be utilizing their skills for my refinance and referring anyone I can to their services.

Kevin Foust
Source: Google | Oct 29, 2025
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I have never felt more confident writing a positive review for someone. Scott is just the best. We’ve used him multiple times for refis, and a move out of state and back to our home state all in a year. He is a gem and a God send! I cannot express the gratitude we feel in all he did for us. We felt confident in moving because of him. He had our backs the whole way through and made us feel confident in the whole process. Choosing him to help you with your mortgage needs will be the best decision you ever made!

Deanna Shelton
Source: Google | Jun 07, 2025
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I’ve had the privilege of working with thousands of Mortgage Loan Officers across North America over the years—and I can confidently say that Scott Seaman is truly in a league of his own. Scott’s character and integrity are second to none. He operates with a level of honesty, transparency, and care that’s rare in today’s industry. Whether you're a first-time homebuyer, a seasoned investor, or a real estate agent looking for a trusted lending partner, Scott is the person you want in your corner. His longevity in the mortgage business speaks volumes. It’s not just about how long he’s been doing it—it’s how consistently excellent he’s been the entire time. Scott’s knowledge and experience run deep, but it’s his commitment to people that truly sets him apart. He doesn’t just close loans—he builds lasting relationships with both clients and professional partners. What makes Scott so unique is how much he genuinely cares. He takes the time to listen, understand each situation, and provide tailored solutions that make a real difference. He’s responsive, resourceful, and relentless in doing what’s best for everyone involved. If you're reading this and wondering whether Scott is the right person to guide you or your clients through the mortgage process—stop wondering. He is. No matter your situation or circumstances, Scott is the go-to resource for anything mortgage-related. He’s not just a loan officer—he’s a trusted advisor, a fierce advocate, and one of the most dependable professionals you’ll ever work with. – Greg Fowler, Founder of Lion Bolt Media & Host of Real Estate Titans

Greg Fowler
Source: Google | Jun 02, 2025
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Full review

Let’s connect

Contact Scott

Share a little about your plans and how to reach you.

Phone icon Call 719-352-7077

Envelope icon sseaman@houseloan.com

Office locations

5121 Kingdom Way
Suite 300
Raleigh, NC 27607
1177 West Loop South
Suite 700
Houston, TX 77027

Mortgage insights

Helpful guidance for buying a home, financing your next move, and understanding your mortgage options.

Homebuying FAQs

Purchasing a home enables you to receive tax benefits while building equity that you can cash out in the future. Owning a home also gives you the opportunity to truly personalize your space.

Yes! Prequalifying first can help you save time and effort before you get too far into the process. You will know upfront how much home you can realistically afford. It also lets real estate agents and sellers know that you’re a serious buyer, which can be an advantage when making an offer.

Your lender will consider a number of factors when determining your maximum loan amount. Some of these include your debt-to-income ratio (how much of your monthly gross income goes toward paying debts), cash available for down payment and closing costs, and credit history.

Your loan officer will work with you to determine which loan product benefits you. They will review your current finances and future financial goals. Your loan officer will also consider factors like your target monthly mortgage payment and how long you plan to live in the home.

A fixed-rate mortgage has an interest rate and payment that stay the same over the life of the loan. With an adjustable-rate mortgage, the rate can either increase or decrease, based on market factors. The monthly payment can also go up or down based on the rate adjustment.

A conventional mortgage is a home loan that is not offered or secured by a government entity (like FHA or VA). Conventional mortgages typically conform to the loan limits set by the Federal Housing Finance Administration (FHFA) and are eligible for purchase by Fannie Mae and Freddie Mac (the two government-sponsored enterprises that guarantee the majority of mortgages in the U.S.).

Unlike government loans like FHA, VA, and USDA, conventional loans can be used for more property types (primary residences, second homes, and investment properties). In addition to the popular 30-year fixed conventional loan, there are also more choices for loan structure, including 15-year or 20-year terms and adjustable-rate mortgages.

Ready to find the loan that fits your life?

It starts with a conversation, not a commitment. Connect with Scott today.