Scott Bayhouse
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Scott Bayhouse
NMLS #1603309
Loan Officer
Cell: (408) 398 – 1225

Scott first joined the mortgage industry in 2001 and has been with o2 Mortgage since late 2016. Originally starting out as a loan processor for a big bank, he eventually opened a mobile singing company, using his industry knowledge to explain the intricacies of the large stack of loan papers that you sign near the end of a mortgage transaction.


One of his largest clients at the time was o2 Mortgage and they felt he was a perfect fit to join the company being that they shared the same philosophy of educating and advising their clients.


Scott is a Bay Area native who was born and raised in San Jose, CA.  He enjoys spending time with his family, fitness, and outdoor activities such as hiking, running and camping.

Client Stories

“I have to admit I am so impressed by services provided by Scott and the whole team. Scott was great at listening and respecting what I wanted while being proactive, assertive and knowledgeable. He consulted when needed and was honest and consistent in what he was able to do throughout the whole process. He was able to refinance my previous high interest rate loan to something much more manageable and saved me almost $500 per month. I would recommend him and the o2 Mortgage Team to anyone looking for a straightforward, honest and highly competent professional.“

Nelly S (San Jose, CA)

“Let’s start this review by saying I rarely give 5 stars. Although 5 is not enough for what o2 Mortgage has done for me, especially Scott Bayhouse.  I had previously been working with a different lender and had gotten nowhere with them.  I was on the verge of anxiety being told disappointing news repeatedly.  When I searched Yelp I found o2 Mortgage, and wow, was that a life changing event.  Scott immediately got to work with his amazing team and gave me clear direction on what to do to make being a home owner a reality. He was always polite, clear and educational, even when I had crazy questions he was always prompt to answer.  He helped me from start to finish making the experience very easy.  Before meeting him my hopes were low, I thought oh well my dream is just not meant to be.  Happy to report with his help I am now a home owner and I’m moving this weekend to the most beautiful house I had ever seen!  I still have to pinch myself as I feel I’m dreaming. Coming from a poor family and being the first home owner is surreal. Thank you Scott for being my guide.  You and o2 Mortgage really are that sparkle dust that make the wildest dreams come true.“

Lizbete F. (San Jose, CA)