Fredericksburg, VA

Scott Hine

NMLS #: 475661

Scott Hine is the Branch Manager of the Fredericksburg, Virginia branch for Assurance Financial. He joined the company in December of 2016, and brings over 19 years of experience as a loan officer. He is licensed through the National Mortgage Licensing System and Registry in Florida, Maryland, Michigan, Ohio, Pennsylvania, North Carolina, South Carolina, Kentucky, Virginia, and West Virginia and is well-recognized throughout the area for his particular expertise with new construction lending.

Scott grew up in Michigan, but he has been living in Virginia since 2003. As a former educator with a Bachelor’s degree from Bob Jones University and a Master’s degree from Pensacola Christian College, his goal is not just to finance homes for people, but to give them the clearly communicated information they need to make the best decisions for their unique situations. Over the years he has had the privilege of helping hundreds of families buy, build, or refinance their most prized possessions and one of the most important investments of their lives, their homes.

When not assisting clients with their financial needs, Scott is also a pastor at his local church, and he serves as the current president of the Fredericksburg Area Builders Association. His outside interests include spending time with his family, playing golf, and working as the handyman around his own residence.

Professional Affiliations and Designations:

  • President of the Fredericksburg Area Builders Association
  • Member of the Executive Board of Directors for the Home Builders Association of Virginia
  • Chairman of the HBAV Educational Foundation
  • Member of the Board of Governors of the Fredericksburg REALTORS Foundation
  • Certified Military Home Specialist by the Boots Across America organization


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Scott was a great local lender to work with. His expertise of the mortgage process made things flow smoothly and...
Allison Fredericksburg, VA
The whole team worked tirelessly to help me find a loan to fit my needs and get to closing.
William Fredericksburg, VA
The process was simple. The team explained everything so I understood each step. They always respond to my email...
Christine Orange, VA
Enjoyed the business relationship. Scott was prompt, courteous, responsive to our questions, and very helpful.
Steve Spotsylvania, VA
Working with Scott was fine, but the ridiculously long process, misinformation and rudeness from other staff, an...
Constance Ruther Glen, VA
The team was very responsive and easy to work with during the process.
Whitney Stafford, VA
Great fast service with down to earth people! Made the loan process fun with no stress!!
Evan Fredericksburg, VA
Jonathon Fredericksburg, VA
Scott was great to work with he kept us updated and made the loan process fast and simple.
Madeline Fredericksburg, VA
So easy! I love the online portal!
Susan Fredericksburg, VA
Jordan was very helpful when we had computer issues.
Idella Conway, SC
Scott and his team were very helpful and promos to respond to any question I had
Briann Orange, VA
Even with the busy refi season we were always kept up to speed on our loan process. When we ran into delays beca...
Shannon Spotsylvania, VA
Scott was very patient and took his time explaining the loan process to us. We are 1st time construction to perm...
Jennifer Orange, VA
I have bought and sold many houses both as a realtor and as a homeowner. Scott and his team made this the Easies...
Zoe Lexington, SC
Scott always does a fantastic job of keeping us up to speed on the process and thoroughly answering any and all ...
Douglas Nokesville, VA
Scott truly cares for his customers. He answers every question patiently and with the goal of educating his clie...
Diliana Nokesville, VA
Thank you for always advocating for our clients!
Debra Spotsylvania, VA
Scott is always very informative and easy to work with. John is very quick to respond and very helpful!
Leanne Spotsylvania, VA
Jennifer King George, VA
Extremely communicative and very quick to respond to all inquiries.
Stephen King George, VA
I enjoyed working with Scott and his Team!
William Spotsylvania, VA
Scott was the buyers loan officer, I worked for the seller and I did not have much communication with Scott. Rec...
Aletha Maurertown, VA
Always there for you. Very knowledgeable. Will always answer your calls and or call you back shortly after. Mad...
Christopher Maurertown, VA
The application process was seamless, which is impressive considering that it occurred during a pandemic. Employ...
Rachel Spotsylvania, VA
Scott was really helpful in breaking things down for a new time home owner and awesome and getting things done !...
Kevin Ruther Glen, VA
You didn’t take me for granted. You are very serious about your work and extremely trusting !! Easy to understan...
Raymond Fort Myers, FL
Great team!
Linda Ruther Glen, VA
Scott always does a great job communicating and helping you to understand anything that may be unclear. Easy to ...
Patti Colonial Beach, VA
Scott was very professional thru-out the transaction. He kept me informed and up to date with all steps of the p...
Julie Colonial Beach, VA
Scott, John and Assurance Mortgage company were perfect. Quickly answered any questions I had, pursued any opti...
Charles Colonial Beach, VA
Team was quick to answer questions about the loan process.
Domenico Fredericksburg, VA
Communication is as great all along the process!
Heather Fredericksburg, VA
The application process was easy and streamlined. Jordan was great and kept me up to date on the process and wo...
Tiffany Stafford, VA
Love working with Kent....He's professional, knowledged in his field. He goes beyond helpling his clients. He h...
Linda Beaverdam, VA
Made everything easy. Looked out for my best interest
Vanessa Stafford, VA
This company was fantastic and such an easy process. They were there every step of the way and to answer all of...
Samuel Fredericksburg, VA
Some of the final numbers for escrow were still not right at the table
Douglas Fredericksburg, VA
His team kept us informed through every step of the process. I appreciated the transparency.
Shana Locust Grove, VA
Process simple. Quick responses to questions.
Donald Locust Grove, VA
Scott opening our eyes to what was out there to help get things done.
John Fredericksburg, VA
John Hayden paid close attention to detail throughout the entire refinance process. He kept us updated every ste...
Albert Fredericksburg, VA
Very professional and easy to work with! Such a pleasant experience
Jaime Fredericksburg, VA
I feel Scott Hine and his group did all they could do for my refinancing . I appreciate all they did ...
Joan Lake Lure, NC
Scott is great and knowledgeable!
Hunter Fredericksburg, VA
Kent and John were so responsive and with us every step of the way. Kent was EXTREMELY informative and made sure...
Kelsey Louisa, VA
Very personal service and attention to detail
William Spotsylvania, VA
Scott was super responsive - this is what earned my business! He was very detailed and always had answers to my ...
Christina Tampa, FL
Easy to work with great
Zonia Stafford, VA
Thank you for a very pleasant and easy process with getting a loan to buy my beautiful home in Palmyra VA. Ever...
Jodee Palmyra, VA
Scott and his team are fabulous! Always willing to go that extra mile for both me and my clients. The buyers wer...
Teressa Stafford, VA
Great communication throughout the process.
Saritah Fredericksburg, VA
This is my 2nd time working with Scott and CO. His team works hard & will respond to your questions. I appreciat...
Samuel Fredericksburg, VA
Overall communication was prompt and clear. The human interaction was very helpful. The automated portion coul...
Anthony Fredericksburg, VA
Scott was fast at communicating, especially in a time when we know the industry is extremely busy. He was pleasa...
Meghan Fredericksburg, VA
Transactions with Scott Hine are always smooth, and my clients are always very happy with his service. Thanks fo...
Heather Fredericksburg, VA
Scott and John made sure we understood everything
Edgar Fredericksburg, VA
Scott made sure I understood every step if the process and eased my mind
Jennifer Fredericksburg, VA
I personally chose Mr. Hine because he has paid advertisement on the 6th hole Tee box of my local Aquia Harbour ...
Glenn Stafford, VA
Communication was the BEST. The process was streamlined and CLEAR. I've had many home purchases and refi's ove...
Richard Woodford, VA
Quick response. They always help you to make everything easy.
Rufino Stafford, VA
I never had to worry that Scott & his team were on top of what was going on with my client and the transaction. ...
Patricia King George, VA
My wife and I are very impressed with the attention and professionalism provided. Definitely gave concierge ser...
Andrew Woodbridge, VA
Scott and the entire Team was VERY accessible, patient, and thorough. They made a usually painful process, rela...
Jacqueline Woodbridge, VA
Blessing to work with
John Chester Gap, VA
Very helpful and easy to get a hold of!
Ryan Beaver Dam, KY
It was a quick, painless process. Everything went smoothly and there were no surprises. Not only would I recomm...
Sara Winchester, VA
Great team, clearly told me what I needed to do for my part to make it work out.
John Stafford, VA
Scott is great to work with
Jill Fredericksburg, VA
Scott was very responsive to our many questions throughout this process.
Mark Mineral, VA
Excellent customer service!
Johnnie Beaverdam, VA
Scott made our experience great. The extent of his knowledge in all areas related to buying, selling, and financ...
Kathleen Mineral, VA
Scott and his team were very well informed on every aspect of the loan that I did with them. They made it very ...
Jeremy Spotsylvania, VA
Everything was very organized and timely! Even though I had surgery during this time he made sure I signed and t...
Rebecca Fredericksburg, VA
Kent was amazing! He got a great loan for my clients at a great rate! They were going to go with USAA and Kent t...
Corrine Ruther Glen, VA
Very good service, Scott and his team provide a friendly, honest, and caring service which leads ultimately to a...
James Ruther Glen, VA
Every one was quick to respond when we needed any kind of information. The entire process went smoothly.
Meghan Ruther Glen, VA
just felt personal not just business i have already referred a friend before we even closed the loan
Wade Mineral, VA
Scott did an excellent job while helping us buy our first home. He was always available for phone calls or email...
Elizabeth Tollesboro, KY
We have already have referred a friend. We have worked with john and scott in the past and appreciate their prof...
Tonja Mineral, VA
Kent Schrader is a first class loan specialist who I would recommend to anyone for the personal attention and ca...
Michael Fairfax, VA
Always in communication when we needed it. Very helpful. Never tried to give us false hope or incorrect informat...
Christopher Tollesboro, KY
Everyone was very informative and looked out for my best interest during the whole process. Kent’s the man!
Kyle Richardsville, VA
Good communication. I have known Kent Schrader a long time and trust him.
Hunter Fredericksburg, VA
Scott Hine made the entire refinance process easy and convenient for me. I appreciate his help.
Steve Westerville, OH
Very fast response will all my ridiculous question! Made the process super easy.
Tyler Gainesville, VA
4th time working with Scott and he has never disappointed.
Mark Fredericksburg, VA
no comment
Sterling Rhoadesville, VA
Scott always looks out for our best interests.
Jason Falmouth, VA
Amazing team to work with.
N. Falmouth, VA
Scott and his team did excellent job. Excellent communication.
Charles Triangle, VA
The process was made much easier with all the help they provided. If you had any questions at all they would he...
Michael Fredericksburg, VA
His knowledge of the process
Rex Fredericksburg, VA
Great job, Scott. Thank you for getting the deal done in this challenging environment!
Stephen Fredericksburg, VA
Scott made the process so easy! Best refi ever.
Avi Stafford, VA
Scott and the team were absolutely fantastic! Thanks!
Douglas Nokesville, VA
Kent made sure to answer questions I didn't even know I had. He was able to answer what I didn't know I needed t...
Kelsey Louisa, VA
Stephen Fredericksburg, VA
Scott, John, and team are true professionals. They are honest, genuine, and truly put your family’s needs first....
Richard Nokesville, VA
Scott, John and the team at Assurance Financial are the best! Friendly, prompt replies to all of my questions an...
Rebekah Spotsylvania, VA
It was a pretty smooth stressless process all the way around.
Jason Fredericksburg, VA
Everyone on the team was great at communicating with me and streamlining this process for me to make it extremel...
Ashley Fredericksburg, VA
Loan Officer Kent Schrader was amazing. He kept my FIRST TIME HOMEBUYER, the sellers' agent and I updated throu...
Teunsha Fredericksburg, VA
Great job
Patrick Bumpass, VA
Scott was great to work with and communicated with me every step of the way. He turned a renter to a buyer and m...
Corrine Fredericksburg, VA
Knowing that when I had a question I would get the honest answer
Jennifer Fredericksburg, VA
Pamela Manassas, VA
Scott and John seem to have peace when they speak which helps to keep my anxiety down. They never pressured or ...
Tony Fredericksburg, VA
I had never worked with Scott before and did not know what to expect. He was great to work with and very persona...
Tina Fredericksburg, VA
Scott was very responsive, smart and helpful.
Amy Locust Grove, VA
The people that work with you.
Jay Bumpass, VA
Great customer service, received answers quick when I asked, kept me posted with my loan status.
Idelma Fredericksburg, VA
Our loan officer Kent was awesome
Kathy Montross, VA
Rebekah Fredericksburg, VA
Kent Shrader is a dream lender, he is everything you would want in a lender.. once you try him... you will neve...
April Montross, VA
Scott Fredericksburg, VA
Scott was always quick to answer any questions and explained the mortgage process clearly!
William Spotsylvania, VA
Artice Culpeper, VA
Your team (Kent and John) were great to work with. They were responsive and communicative throughout the process...
David Fredericksburg, VA
Mark Partlow, VA
As the realtor for the buyers, I felt like the communication was timely and informative, which is always important.
Linda Locust Grove, VA
Shelia Lynchburg, VA
Scott is very professional, knowledgeable and seems to truly care about his clients.
Cruz Locust Grove, VA
We had a great experience with this company!
Rebecka Fredericksburg, VA
Lucas Spotsylvania, VA
Thank you so much to Scott, John and Kent. This team helped make a dream come true for our family. This was our ...
Charles Ruther Glen, VA
Scott and his team did an amazing job helping us through the process of purchasing our home and always had quick...
Bryan Fredericksburg, VA
Allison Fredericksburg, VA
Richard Fredericksburg, VA
In our very first meeting Scott explained the construction loan process at length to ensure that we understood w...
Brian King George, VA
Overall, a wonderful experience! We highly recommend Scott Hine and Assurance Financial!
Diann Spotsylvania, VA
We appreciated the work that was done to get us the best possible loan. Time was spent ensuring we understood e...
Theodore Spotsylvania, VA
We dealt more with John than we did with Scott. Both are pleasant to work with, but we found ourselves resending...
Margaret Partlow, VA
Kathleen Mineral, VA
Scott kept us informed every step of the way. He was always prompt in returning calls and emails explaining ever...
Shannon Spotsylvania, VA
John Spotsylvania, VA
William Goochland, VA
Kent Schrader exceed my expectations with his knowledge, advice, and expertise. He provided excellent customer ...
Lisa Stafford, VA
Kent Schrader is very earnest and responsive with excellent "people skills" and the processor and closer were v...
Gary Stafford, VA
The entire experience was amazing! From Kent Schrader, to John Hayden , the level of professionalism was off th...
Randy Stafford, VA
Kent kept me updated on the progress of the loan. He answered any questions I had.
Linda Richardsville, VA
Scott is extremely knowledgeable and helpful - early in the process we had a credit charged for an appraisal as ...
Joshua Glen Allen, VA
Very informative people working at assurance. Answered every question I had and were very helpful through the wh...
Kyle Richardsville, VA
I know that my loan need was slightly out of the norm as I needed a construction to permanent loan for a second ...
Michael Mineral, VA
It was simple easy and pleasant to work with Scott and John I would recommend using these guys.
Michael Mineral, VA
Scott and his team at Assurance Financial worked very hard to allow me not only close on time, but a few days ea...
Zachary King George, VA
Thanks for another loan.
Anthony Poquoson, VA
Scott always made sure I understood every step of the process , he took his time to explain things to me and mad...
Scott Rhoadesville, VA
Scott Hine is a true professional. Excellent customer service along with an unbelievable knowledge of mortgages ...
Teressa Rhoadesville, VA
Always kept us informed every step of the way, from the time we completed the loan application till closing. Th...
Ruynard Mineral, VA
Scott Hines was extremely helpful in guiding us through the process of our first construction loan and construct...
Jeff Spotsylvania, VA
John was a pleasure to work with and really did a great job explaining the process.
Richard Fredericksburg, VA
Scott is extremely knowledgeable and was a huge asset to us during construction through the closing on our new h...
Sara Fredericksburg, VA
Top notch, made everything extremely easy. Prompt communication, walked us through everything as well as answere...
Caitlin Fredericksburg, VA
The one time we met Scott he was great. After that, we didnt deal with him at all. Kinda hard to really tell you...
Margaret Partlow, VA
Scott and his team were very responsive and quick everyt time I had a question. They thought outside the box for...
Sharon Locust Grove, VA
Scott was confident he could make our loan happen after a disappointing outcome with another lender, and he did ...
Michael Spotsylvania, VA
Mr. Hine excessed all of our expectations. Any questions we had he promptly answered. The best thing was we neve...
Kayla Spotsylvania, VA
Prompt updates and answering all my questions and getting me the best rate .
Michael Orange, VA
It was our first home buy and Scott was very good at taking his time and really showing us what everything meant...
Preston Ruther Glen, VA
Everyone we have had contact with has responded very quickly to any questions we have had and worked to make thi...
Curtis Bumpass, VA
Very informative and easy to work with.
John Stafford, VA
Scott was very knowledgeable and made us feel comfortable about the process.
Rachael Rhoadesville, VA
Scott was very helpful through out the loan process and always respond quickly to questions.
Scott Rhoadesville, VA
This is our first home/land buying experience. Scott and his assistant were very knowledgeable and very helpful....
Mia Nokesville, VA
Easy process
Stephanie Orange, VA
Always available to answer any questions and found best options to suit our needs!
Pamela Manassas, VA
Scott was very clear and answered all of our questions during a process that can get very confusing.
Jennifer Beaverdam, VA
Scott takes the time to explain everything, and is always available.
John Spotsylvania, VA
When I met Scott, I was looking for someone who could do a VA construction to perm loan without me having to sel...
Doris Fredericksburg, VA
Scott by far is the most knowlegeable person I have spoken to in the mortgage business. His willingness to take ...
Armand Nokesville, VA
simple answer, Scott and his team are compassionate, understanding and knowledgeable in getting the job done. Th...
Kirby Fredericksburg, VA
Scott kept us informed every step of the way and educated us on the many facets of our construction loan process...
Shannon Spotsylvania, VA
Scott was easy to work with and always pleasant. Quick responses to questions.
Sharon Locust Grove, VA
Best loan processing experience. Scott and John make a great team. Guided us every step of the way. Very thor...
J ,
Scott is very knowledgeable, accessible, understanding and will work hard to accomplish your goals. Whether you...
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    Lori was AMAZING!!!A job well done!!! BRAVO
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    Assurance Financial Fredericksburg

    3006 Lafayette Boulevard
    Fredericksburg, VA 22408

    My Services:

    • New Home Purchase Loans
    • Refinance Loans
    • FHA and Rural Development Loans
    • Veteran (VA) Loans
    • Construction and Renovation Loans