Thomas C. Phillips II
Thomas C. Phillips II

Thomas C. Phillips II

Mortgage Loan Originator | NMLS# 159695 Apply Now Upload Docs Contact


My name is Thomas C. Phillips II. I was born in Louisville Kentucky and I grew up in Silver Spring Maryland. I graduated from Towson State University in 1997 just before they dropped “State” from the school name. Go Tigers! After graduating with a Bachelor of Science degree in Mass Communications, I worked in TV news for 2 years before deciding to go into sales. I sold big screen TV’s, life/health insurance, gym memberships and more. Finally, in 2004 I discovered the wonderful world of mortgage financing. That was it for me. Aside from God and family, there is nothing more satisfying for me than helping my clients to achieve the American dream of homeownership by helping them to obtain the best loan possible for their situation.

I am very happily married to my wife Jobita and we live in Hanover, Maryland with our two cats, Milky Way and Sugar Foots. In my free time I enjoy trying out various international foods like Thai, Ethiopian, Indian, Caribbean, Latino/Hispanic, Mediterranean, Middle Eastern and more. Aside from feeding my “foodie” habit I also enjoy traveling, watching documentaries, exercising and Bible study.

When it comes to providing a mortgage for your home, my goal is to identify your needs and offer a mortgage solution that meets your specific requirements with a seamless, transparent and stress-free process. I will work hard to provide you with the best options specific to your situation. I always tell my clients that finding a good loan officer is like finding a good mechanic to fix your car. Some may want to overcharge you and sell you things that you really don’t need. That’s not the way I do business. Once you find a person that you trust will consider your homeownership goals, you should stick with that person. My goal is to earn your business by earning your trust. I want to be your loan officer for life. I will help you to buy a house and I will also help you to refinance down the road if the situation arises. I am presently licensed to originate loans throughout the United States.


I am committed to providing excellent customer service. Many Mortgage Loan Officers will offer you whatever loan program benefits their pockets instead of looking out for your best interests. I always treat every customer like I would a friend or family member. If you are a first-time home buyer I will simplify everything and hold your hand throughout the entire process. If you are refinancing I will be sure to recommend the best options to meet your goals. I have many years of experience and hundreds of hours of continuing education. I am always learning about new programs and guidelines to help customers with unique mortgage needs, and have experience with conventional, jumbo, FHA, VA, and USDA home loans.

NFM Lending does everything in house. We are not a broker. This means from start to finish we process, underwrite and close your loan. NFM Lending offers competitive rates as well as a transparent processing and underwriting platform.

I am truly passionate about my profession, and this is illustrated by my referrals from satisfied clients, trusted financial advisors and experienced real estate agents. I know that if I do a good loan for you, you will tell all of your friends and family to work with me. I am also aware that if I do a bad loan for you, you’ll tell twice as many people not to do business with me. So, your satisfaction is my mission. We focus on agent and homebuyer satisfaction with every loan.

If you are looking for a stable and reliable company to place your loan with or just a hardworking person to help you find loan options for your unique circumstances, reach out to Thomas C. Phillips II of NFM Lending!

Thanks for the opportunity!


Loan Tools

Here are some useful links to get you started in the loan process.


Mortgage Rate

How Your Credit Score Affects Your Mortgage Rate

When applying for a loan, one of the most important factors that will come into play is your credit score. Before you start the loan application process, you should have a clear understanding of how your credit score affects your mortgage rate so you can assess your financial situation. Most lend…
Read more

Paul Sushereba

NFM Lending opens new branch in Dayton, OH

LINTHICUM, MD, September 12, 2019 — NFM Lending is pleased to announce the opening of a new branch in Dayton, Ohio. The branch is located at 70 Birch Alley, Suite 240, Beavercreek, Ohio 45440 and will be led by Branch Manager Paul Sushereba. The NFM Lending branch will focus its lending platfor…
Read more

Willie Woods

NFM Lending salutes Willie Woods

LINTHICUM, MD, September 3, 2019— NFM Lending is pleased to honor PFC Willie Woods as the NFM Salute for September 2019. Willie is a Veteran of the U.S. Marine Corps, serving during World War II. He is a member of the Montford Point Marines, the first all African American unit in the U.S. Marin…
Read more

NFM Lending Holds Fifth Annual School Supply Drive

LINTHICUM, MD, August 30, 2019— NFM Lending is pleased to announce the successful completion of its fifth annual School Supply Drive. From August 5th to August 23rd, NFM Lending collected school supplies to fill backpacks with pens, pencils, folders, markers and other tools that will prepare s…
Read more

Contact Me

Thomas C. Phillips II

Thomas C. Phillips II

Mortgage Loan Originator





10632 Little Patuxent Parkway, Suite 333, Columbia, MD 21044

Ready to get started or have any loan questions? Contact me at 443-979-7616 or or submit the form below and I will call you.

Contact Me

  • This field is for validation purposes and should be left unchanged.