Stephanie Phillips

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Stephanie Phillips Mortgage Loan Officer licensed in TN, KY, VA, FL. NMLS # 491090 / Mother/ Wife / Farmer. Branch NMLS 167932

Scammers know when money moves at closing. If your client gets new wiring instructions, even if it looks official, tell ...
10/07/2026

Scammers know when money moves at closing. If your client gets new wiring instructions, even if it looks official, tell them to stop and call their loan officer or title rep at a known number. Protecting their down payment is worth one phone call.

Buyers out in Q4 tend to be serious. They want to be in before the holidays or before the new year.If you've got clients...
10/02/2026

Buyers out in Q4 tend to be serious. They want to be in before the holidays or before the new year.

If you've got clients who keep saying ""maybe this fall,"" send them my way for a pre-approval this month. I'll get them a clear number fast so you can start showing with confidence.

Let's finish the year strong.

The house that fit a growing family is not always the right one next.Downsizing often frees up space, upkeep, and equity...
09/29/2026

The house that fit a growing family is not always the right one next.

Downsizing often frees up space, upkeep, and equity for whatever you want now.

Let's talk about what your next home looks like.

There is still time to be in a new home by the holidays.Starting your loan now leaves room for each step, so many fall b...
09/24/2026

There is still time to be in a new home by the holidays.

Starting your loan now leaves room for each step, so many fall buyers are settled in before the new year.

Want to aim for the holidays? Let's start.

So you are pre-approved. Now what?Pre-approval is the starting line, not the finish. Next comes house hunting, offers, a...
09/22/2026

So you are pre-approved. Now what?

Pre-approval is the starting line, not the finish. Next comes house hunting, offers, and locking in your loan.

I will be with you the whole way.

More house, same math. Our conforming loan limit just moved to $845,000. If you were told you’d need a jumbo loan, that ...
09/21/2026

More house, same math.

Our conforming loan limit just moved to $845,000. If you were told you’d need a jumbo loan, that answer may have changed. Let’s run your numbers.

NMLS 4181, Equal Housing Opportunity, nmlsconsumeraccess.org, this is not a commitment to lend

Yes, fall slows the showings down. Slower is not the same as stalled.Fewer buyers out looking often means less competiti...
09/17/2026

Yes, fall slows the showings down. Slower is not the same as stalled.

Fewer buyers out looking often means less competition and more room to negotiate on the home you want.

This is your opening. Let's use it.

Another year of rent is another year in someone else's home.If owning has felt out of reach, it is worth running the rea...
09/15/2026

Another year of rent is another year in someone else's home.

If owning has felt out of reach, it is worth running the real numbers before you renew.

Let's see where you actually stand.

You do not need twenty percent down to buy a home.Some loan programs let qualified buyers put down as little as three pe...
09/10/2026

You do not need twenty percent down to buy a home.

Some loan programs let qualified buyers put down as little as three percent.

Let's find the number that works for you.

A W-2 is one way to prove income. It is not the only way.Bank statement programs may fit some self-employed buyers whose...
09/08/2026

A W-2 is one way to prove income. It is not the only way.

Bank statement programs may fit some self-employed buyers whose income does not show up on a traditional pay stub.

Your income tells the story. Let's document it.

Address

3009 Greenline Road
Johnson City, TN
37604

Telephone

+14233352582

Website

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