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.
WHY HIRE ME:
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!
Here are some useful links to get you started in the loan process.
Our mortgage calculators can be used to estimate how much your monthly mortgage payments will be, see if you will save by refinancing your mortgage, or to find out how much house you can afford.
Found a good home at a great price that just needs a little work? Own a home that could use some upgrades? The 203(k) loan may be the program for you.
Applying for a loan? You may be asked to provide some of the documents on this list during the loan application. Get these items in asap to help speed up your loan process.
Confused with the complicated mortgage lingo? Here is a list of commonly used terms that may help you understand better as you speak with realtors and loan officers.
Ready to Refinance
Are you considering refinancing your home? Before you begin the process, you should evaluate your options and personal finances. This guide will help.
Home Buyer's Checklist
When house hunting, it is easy to forget or confuse the different features of the many houses you will see. Here is a checklist to assist in finding the perfect home for you.
Here are some helpful hints and a detailed timeline to prepare your family for one of the most exciting times of your life - moving day.
Saving to Buy a Home
Saving for a home is a tremendous task that requires dedication and thought. Here are some helpful hints and tips on how to save for your down payment.
Thomas C. Phillips II
Mortgage Loan Originator