Michelle Phillips

NMLS # 257767



Michelle Phillips Senior Mortgage Advisor
Michelle Phillips

Michelle Phillips

Senior Mortgage Advisor

Protect Your Personal Information: When a lender pulls a consumer’s credit, the Credit Bureau can sell the personal information to other lenders. Consumers who haven’t opted out may receive unwanted solicitations. Visit www.optoutprescreen.com to easily opt-out prior to submitting a loan application. Our Company does not engage in the selling of information.

About Michelle

Senior Mortgage Advisor

Michelle takes pride in providing weekly updates to you, your agent, and the listing agent throughout the loan process. While she enjoys working with all clients, she has a special passion for helping first-time homebuyers. As a lifelong resident of the Tidewater-area and a member of the Tidewater Home Funding team since 2002, she has extensive experience helping clients secure a wide range of loan programs including Virginia Housing (VH), VA, FHA, Conventional, Jumbo, Renovation 203(K), and Fannie Mae Rehab loans. Her top priority is customer service, and she finds it incredibly rewarding to help make her clients' dreams of homeownership a reality. Get in touch with Michelle today and let's find the best loan program for you!


Michelle Sig

View My Video "Did You Know?"

Licensed in Virginia (MLO-5357VA), North Carolina (I-152203) and Florida (LO111704)


Michelle and Family 2  



"Michele Phillips and Jamie Fitzgerald professionalism and positive attitude about their responsibility to their customer. They both made me feel very important in the process. We were living in a hotel and traveling for months and they were very concerned and continued to encourage. They treat you like close friends. I really enjoyed this experience and it was the best experience I have had in all of my home purchases. Thanks Michelle and Jamie!" -T. Malllory

"We were really frustrated and had a short timeframe with which to work. Michelle of Tidewater Home Funding didn't miss a beat, and connected us with the best realtor we could have asked for, Suzanne Dunlevy of Keller Williams Realty. The two worked diligently and we closed on a great house without any delay. Both of these ladies answered all questions we have had, and honestly, we could not have asked for better. Michelle and Suzanne both did a wonderful job, and alleviated as much stress as possible. Their combined confidence, experience, and determination helped keep us going when we were ready to give up."-R. Pelletier

"As a first time homebuyer, I felt Michelle helped me to completely understand the loan process. Every question I had was met with a prompt, detailed response. It felt like she genuinely cared about me as more than a client, but also as a friend. By the time of closing, I was confident that I knew exactly what to expect. Even then, Michelle exceeded my expectations when I actually got money back after closing! Michelle will be my mortgage consultant for life!" -L. Draper

"My fiancé and I were first time home buyers and we were truly lucky to have Michelle work with us. She was so thorough and explained every step of the way. She answered all of our many questions and was happy to do it. She maintained such a positive attitude and was so quick to reply via phone, email, etc. I don't think the process would have been so stress free and easy if it was not for her. I highly recommend her to anyone who is in the home buying process. Her customer service was beyond excellent." -M. Jones

"I had an excellent experience with Tidewater Home Funding.  Michelle was amazing and always made herself available to answer any questions I had.  I could not have asked for better customer service." -L. Watters

Contact Michelle

Michelle Phillips

Senior Mortgage Advisor
NMLS# 257767

1108 Eden Way North
Chesapeake, VA 23320
State Licenses: FL, NC, VA

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The homebuying process can be overwhelming. Our blogs offer a bite-sized approach at educating you through the homebuying and refinancing process.

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Client Reviews

As your local lending partner, we make it our mission to exceed your expectations not just during the mortgage process, but also before and after it, ensuring that you have a satisfying and stress-free experience.


Protect Your Personal Information

When a lender pulls a consumer’s credit, the Credit Bureau can sell the personal information to other lenders. Consumers who haven’t opted out may receive unwanted solicitations. Visit www.optoutprescreen.com to easily opt-out prior to submitting a loan application. Our Company does not engage in the selling of information.



Your Experience is Our Priority

Your local lending partner, our team strives to exceed your expectations before, during and after the mortgage process.

Working with Michelle Phillips was easy because she has great communication and knowledgeable on everything. All around 5 stars

Ilia Walker-Randall

Michelle Phillips was very hands on from the beginning to the end. This was our second house we bought with her assistance and both times they were stress free. Whenever I had a question and reached out to her she was quick to respond. The whole office is full of hard friendly workers. In my opinion they’re the best.

Mark Skyles

Ready to Fund Your Dreams?

Reach out to our team of local mortgage specialists and take the initial step towards homeownership. Our team is ready to assist you throughout the process, offering you the necessary information and guidance to help you make informed decisions for your unique needs. Don't delay any longer - apply today to begin.