Scott Bradley

Senior Loan Officer, NMLS# 260962 First Capital
With more than 15 years in the mortgage industry, Scott Bradley has worked in nearly every facet of the business. Scott has had a stellar career and has built a broad and deep understanding of home finance.

Scott has an immense focus on customer satisfaction, and strives for all parties to leave the closing table satisfied and happy in the decisions they have made – every time. His customers have rewarded him with their referrals, and have allowed Scott to base his business almost solely on those referrals.


Sep 14, 2017
Second time working with Scott and it is always a pleasure. Scott and his team were very patient with our complex situation and made sure we had the upper hand to close on schedule.
Aug 22, 2017
Transaction/Listing Coordinator
Scott and his colleague John recently accomplished a refi for me and my husband. They communicated with me non-stop, via phone, email and text! They were straightforward in their information, and took care of their part quickly and smoothly. Very appreciated! I highly recommend them!
Jun 22, 2017
Scott and team did a great job getting us a refi. Ours was a fair bit of equity, but little income as becomes some early retirees, so it can be s bit dicey. Scott and te made it easy and it all happened on time
Mar 20, 2017
Sales Associate
Scott has been extremely helpful and reliable when handling multiple of my client's transactions, as well as my personal transaction with my first home purchase! I recommend Scott to all of my clients and will continue to do so, he's the best in the business!
Feb 28, 2017
Executive Director
Scott Bradley and his team processed my loan in recorded time. They were very responsive in asking for the documentation they needed and making sure that I had everything in order. Thank you for helping me purchase my new home in Santa Barbara.
Oct 27, 2016
Santa Barbara Airbus businness owner
Scott, Was great, Guided us through what was a complicated deal. Professional great to work with.
Oct 13, 2016
Scott, did an awesome job for me. The loan process today is a taunting process that seems to take a long time and so much paper work. This was the best experience I've ever had. It was fast, easy, and very simple. I would use Scott Bradley again and highly recommend him to friends and family.
Oct 4, 2016
Book Publisher
I would unreservedly recommend the services of Scott Bradley with First Capital. Scott help us with a cross-collateral loan which enabled us to purchase a new, more expensive home, while simultaneously putting our current house on the market. While the loan process with the banks is more arduous in recent years, Scott explained each step of the process and was always immediately responsive during the application process. My investments and ownership interests are complex and Scott had no difficulties understanding and documenting them. The terms Scott was able to offer were very competitive and attractive. I have worked with three other mortgage brokers over the years and Scott was up to the highest of standards. Most importantly to me, the few times I got frustrated with a problem Scott easily remedied the situation while demonstrating confidence and experience, which I admired.
Aug 2, 2016
Owner of Denner Vineyards
I have bought and sold several properties in my lifetime and then when you look at all of the new banking and loan procedure applications it all seemed so simple.
The new regulations for buying high end properties has become a nightmare.
I have dealt with a lot of Loan Officers and they all pale in comparison to Scott.
If it was not for Scott I don't think we could have survived the pain of getting a loan.
He is the very BEST I have ever dealt with and I would and will recommend to any of my friends or business associates.
Thanks Scott.

G. Ronald Denner
Jun 13, 2016
Scott, was the consummate professional: knowledgeable, courteous, and helpful. He patiently walked me through the many steps of securing a loan and completing escrow, and was always available for questions, no matter how minor. I would recommend his services and his office without reservation.
Jun 4, 2016
Vice President, Zell & Cox Law
Scott Bradley did a wonderful job helping us refinance our existing mortgage. Through Scott, we received a great interest rate and our loan was processed in a timely manner. We would recommend Scott Bradley to all our friends and family.
May 31, 2016
Scott was a pleasure to work with. He was always available to answer questions and advise me on the process. Everyone he referred or contracted (title company and appraiser) were great as well. Thanks Scott!
May 19, 2016
Scott did a wonderful job of helping me secure a loan when the sale of my house fell through but I didn't want to lose the house I had found to purchase.
He was working on a tight timeline, needing to gather many documents and verifications in a short time. He was courteous, thorough and efficient.
Thank you,
May 9, 2016
Marketing & Promotions Exec
Working with Scott is an absolute pleasure. He is exceptionally smart and incredibly organized. He explains everything clearly and answers all your questions. Highly recommend him.
Apr 16, 2016
Home Buyer
Scott did a great job of putting together an unusual cross-collateral mortgage loan and helping us to navigate the lender's inordinate demands for documentation.
Apr 15, 2016
real estate agent
Scott responds quickly and solves problems quickly when they arise during the loan process. He has a clear understanding of the new federal lending requirements that helps keep our clients loan file organized, on track and closed in a timely fashion. He makes us look good!
Feb 16, 2016
Scott helped us obtain a loan to buy a triplex in Santa Barbara. Scott did a good job because we are retired and, while the loan was small compared to our assets, most of our assets are in real estate and not liquid. Thus, Scott did a good job in finding and closing a favorable loan for us. I'd use him again.
Feb 8, 2016
Scott worked tirelessly through a very difficult refinance process to get us the best terms possible even with our unique financing needs. He was extremely patient and thoughtful as we engaged with the continuously evolving requirements of two different banks. Ultimately we got the exact loan we needed.

I highly recommend Scott.
Jan 1, 2016
Scott helped us to find a loan to buy a investment condo in November 2015. He gave us very good suggestions to reduce the interest rate, and patiently answered a lot of questions. He is professional and nice. I strongly recommend him to my friends in need.
Dec 23, 2015

We called Scott in to help us with a bridge loan as we bought a new home before selling our current house. It was an 11th hour rush since the line of credit we had secured was insufficient. Scott worked diligently to make this work for us. I would recommend him as someone who is reliable and detail oriented.
Dec 22, 2015
Recent Customer
I would recommend Scott without hesitation. He helped us navigate a big refinancing of our home in Montecito this past summer. I found him to be very responsive, and willing to go the extra mile to explain the progress of our loan at my convenience. He is a real pro, and working with him was a pleasure.
Oct 5, 2015
Home Owner
I was referred to Scott by a local Santa Barbara real estate agent and it paid off.
The loan was processed without any hiccups and he made the process very seamless. I highly recommend Scott at First Capital and his experience in the industry is what made this possible.
Oct 5, 2015
Scott did a phenomenal job of getting our loan in a very short time. he is a pleasure to work with and is very reliable.
Oct 1, 2015
I will be telling anyone who needs a re-finance or new mortgage to call Scott Bradley. He made it easy for us.
Jul 12, 2015
Director of Sales & development
Scott Bradley took care of the refinancement of my house in May-June 2015. I never met Scott during the whole process as we handled things only through e-mails and phone but things went smoothly and Scott was responsive and efficient. Lots of paperwork were needed and Scott's Assistant was very prompt to send me all the demands and explain details when not clear. I would recommend Scott as the results were quick and positive.

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