Michaela Phillips, Mortgage Lender

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Boulder, CO
Michaela Phillips, Mortgage Lender

Michaela Phillips | Sr. LO | NMLS #312874
Arbor Financial Group | NMLS #236669 I entered the mortgage lending industry in 1994.

Throughout my 25 years in this business, I am proud to say that I have been one of the top producers for every company I have worked for. My knowledge for mortgage products and love for numbers has increased year to year, and I am truly grateful to have found an industry I love so much. I am a Senior Lender at Synergy One Lending. As a 25+ year veteran in the industry, I made careful consideration

s when making the move to Synergy One. As a firm believer in the Real Estate market, I practice what I preach and I am also a real estate investor with properties throughout Boulder, Vail and Grand Junction…not to mention one in Florida. I very much enjoy teaching clients the pros and cons of being a Real Estate Investor, and more so, watching my clients build their real estate “Empires,” large or small, but all successful. Michaela Phillips, NMLS 312874

Connect with me on my other social channels! Twitter:
LinkedIn: www.linkedin.com/in/michaelaphillips1
Google: https://local.google.com/place?id=15466401349669241372&use=srp =lie

11/17/2025

Thank you so much for trusting me with your first home purchase! I'm honored to have helped.

11/14/2025

Fixed vs. Adjustable Rates 📈

A fixed-rate mortgage keeps your payment steady for the life of the loan.
An adjustable-rate mortgage (ARM) often starts lower but can rise later.

Each has benefits depending on your timeline and goals: the key is choosing what fits you.

11/12/2025

When it comes to one of life’s biggest financial decisions, experience makes all the difference. With decades in the mortgage industry, I’ve helped hundreds of clients find the right loan, secure better terms, and reach their homeownership goals with confidence. Whether you’re buying your first home or refinancing, let’s make your next move your best one yet.

11/11/2025

Today, we honor the brave men and women who have served our country with courage and sacrifice. Thank you for your dedication, your service, and your commitment to protecting our freedoms. We are grateful, today and every day.

11/07/2025

Mortgage myth: You should always wait for rates to drop before starting your home search.

Fact: Trying to “time” the market often means missing opportunities. If you find the right home and it fits your budget, you can always refinance later when rates shift. ⏳

11/05/2025

Meet Trixy, a sweet senior pup looking for her forever home! 🐾 She loves easy strolls, sunny naps, and cozy spots to call her own. Trixy would do best as the only pet in a calm home, ideally with older or no children. Come meet this gentle girl and see if she’s the perfect fit for you! 💛 https://boulderhumane.org/animals/?animalid=59655851

11/03/2025

Mortgage Term of the Day: Private Mortgage Insurance (PMI)

PMI is insurance that protects the lender if you default, and is typically required when your down payment is less than 20%. Some (but not all) types of loans allow you to remove PMI once you reach 20% equity.

10/31/2025

Happy Halloween! If you're celebrating, I'm wishing you a fun and safe holiday. 🎃

10/29/2025

The Fed lowered rates by 0.25% today, but hinted that more cuts may not be on the way for the rest of this year. Interested in staying up to date with the latest in rate news? Subscribe to my mailing list! Comment here to be added.

10/27/2025

Your path to homeownership should feel empowering. I take pride in helping Colorado buyers move forward with confidence every step of the way. Ready to get started? Let’s talk! 💬

10/24/2025

I love hearing feedback like this! I'm so glad I could help you find the best rate.

10/22/2025

Pre-Qualification vs. Pre-Approval 🏡

Pre-qualification is a quick estimate of what you can borrow based on self-reported finances. Pre-approval takes longer and requires documentation, giving you a stronger, more accurate idea of your ability to buy.

Both can help you start shopping, but a pre-approval gives you the edge. ✅ Interested in getting pre-approved? Let's chat!

Address

3025 47th Street, Ste D1
Boulder, CO
80301

Telephone

+13035795517

Website

http://www.michaelaphillips.com/

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