Michelle Phillips

Senior Mortgage Advisor

NMLS# 257767

Michelle Phillips Senior Mortgage Advisor
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Mortgage Calculators & Homebuying Tools

Our team understands that the homebuying and home refinancing process involves numerous steps. Therefore, we strive to equip you with the necessary tools and resources to help you make informed financial decisions that suit your specific mortgage requirements. Still have questions? Don't hesitate contacting our team of local experts.

 

CONTACT

Loan Process

Demystify the homebuying process. Reviewing an overview of the loan process allows you to make informed decisions and be more confident throughout the process.

 

Loan Documents

Our document checklist helps to streamline the process and ensure all the necessary information and documents needed to process your loan application are received.

Common Questions

There are a lot of moving parts when buying a house or refinancing your home. Have a question? Discover our list of most commonly asked questions with answers.

Featured Articles

The process of buying a home can be quite daunting. However, our blog posts take a bite-sized approach to educate you on the homebuying and refinancing process in a way that is easy to understand.

 

Mortgage Calculators

Buying a home is a major investment that requires careful financial planning. With our user-friendly mortgage calculators, you can easily estimate your monthly payments and ensure that they fit comfortably within your budget*.

Mortgage Glossary

Our mortgage glossary serves as a reference tool to help debunk various home financing terms and jargon used in the mortgage industry.

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Your Experience is Our Priority


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

I have had the opportunity to work with Michelle on numerous transactions over the years, and she consistently exceeds expectations for both our clients and our team.

Michelle is knowledgeable, responsive, professional, and genuinely committed to helping her clients succeed. Whether she's assisting a first-time home buyer, a military family using a VA loan, or a seasoned homeowner, she takes the time to educate, communicate, and ensure her clients feel confident throughout the lending process.

Most recently, we worked together to help a first-time home buyer using a VA loan purchase a home in Virginia Beach. Michelle's understanding of the VA loan process, attention to detail, and proactive communication helped keep everything on track from contract to closing. She consistently stayed ahead of deadlines, addressed issues before they became problems, and helped create a smooth experience for everyone involved.

As a real estate professional, one of the most important things I look for in a lending partner is someone I can trust to take great care of our mutual clients. Michelle does exactly that. She is a true professional, an outstanding advocate for her clients, and someone I confidently recommend to buyers throughout Virginia Beach, Chesapeake, Norfolk, and the greater Hampton Roads area.

If you're looking for a lender who is experienced, trustworthy, responsive, and committed to helping you achieve your homeownership goals, I highly recommend Michelle.

Rick & Alicia Rivas - Rivas Real Estate Team

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

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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.

 

APPLY NOW

*Not a commitment to lend. Calculation estimates are hypothetical and intended for educational purposes only. Additional fees and costs, such as taxes and insurance, may not be included and may be different based on the loan program. Actual payment obligation may be higher. Loan programs, interest rates, loan terms and conditions are subject to change and may vary based on market conditions and individual circumstances. If refinancing an existing loan, the total finance charges may be higher over the life of the loan. For more information, please consult with one of our licensed loan officers.