With over 35 years of experience in the residential mortgage business, Phil has helped a multitude of people realize their dream of home ownership. Equipped with a full line of products and the ability to lend in 50 states, Phil can help almost anyone who needs a mortgage for any reason. If someone is looking at strategies for investing in real estate, lowering their mortgage rate, changing their product/term of their loan, or just getting cash out for investment, consolidation, or home improvement, Phil can help! Residential mortgage products. FHA, VA, CONV, USDA, Jumbo, CHFA.