The Home Loan Millennial, NMLS #2067892

04/27/2026

Wildfire Supply Drive for South Georgia and North Florida

Right now over 50,000 acres are impacted by wildfires and families need support. Our team at Next Wave in Jacksonville is collecting essential supplies this week and delivering them directly to affected areas.

Drop-off location
Ancient City Title
6817 Southpoint Parkway, Ste 1501
Jacksonville, FL 32216

Monday through Friday 9am to 5pm

If you can’t make it, message me or my team and I’ll coordinate a pickup.

We’re collecting:
New or gently used Clothing
Hygiene items
Non-perishable food
Pet food
Totes and hangers

We’ll be delivering everything to the donation center next week.

Also, a portion of our closings in May will be donated to the American Red Cross to continue supporting relief efforts.

If you’ve been looking for a way to help, this is it. Even a small contribution makes a difference.

Message me to coordinate or if you have questions

04/23/2026

Quick heads up 🚨
There’s a fake account impersonating me and actively messaging people.

If you get a follow or DM from anything other than it’s not me.

Please report the fake page and don’t engage 🙏
Appreciate everyone looking out.

02/26/2026

From arks to empires to royal estates…

Smart moves stand the test of time.

Experience matters.
Strategy matters more.

If you’re buying, refinancing, or navigating a “unique” income situation, let’s build the right strategy.

DM me “STRATEGY” or tap the link in bio

Philip Carcel Munce NMLS 2067892
NMLS 2536820

01/23/2026

Still buzzing from today 🌊

The North Florida team had an incredible turnout at our table and connected with 180+ realtors who entered our raffle. Real conversations, real relationships, and a whole lot of momentum.

🎟️ Raffle winner announced Friday 1/30/2026
👀 And yeah… March is going to be fun.

We’re proud to be a local lending partner that brings creative solutions to the table, from down payment assistance to a deep lineup of loan products designed to help buyers with unique income situations.

Grateful for the energy today. Excited for what’s next.

12/16/2025

🎉 Welcome to the Team, Stephanie Carman! 🏡🌊

We’re beyond excited to welcome to the Next Wave Mortgage family here in Jacksonville as our newest Loan Officer!

Stephanie brings a people-first approach and a true passion for making the mortgage process simple, transparent, and approachable. With her background in Education + hospitality and her talent for clear, honest guidance, she’s all about helping buyers feel confident every step of the way.

At Next Wave Mortgage, we believe in helping clients Ride the Wave to Homeownership, and Stephanie embodies that mindset perfectly. Whether you’re a first-time buyer, planning your next move, or just exploring your options, she’s here to help you navigate the process with clarity and care.

📍 Jacksonville & beyond
📲 Connect with her at

Help us give Stephanie a warm welcome and drop a 👋 in the comments!

11/20/2025

Hey y’all — BIG update 🚨

No, I didn’t get a 🍑 for the Real Housewives of Atlanta this season, but your Home Loan Millennial is now officially licensed in Georgia!

Excited to help buyers in the Peach State navigate homeownership with clear guidance, real numbers, and zero lender jargon. Whether you’re in FL or GA, consider me your go-to mortgage resource.

Have friends or family in Georgia looking to buy? Send them my way — I’d love to help!

Stay Peachy!

Philip Carcel Munce
NMLS 2067892

NMLS 2536820

11/19/2025

Something peachy is coming… 🍑

Stay tuned — big news dropping tomorrow. 👀✨

09/09/2025

Major reason why we are seeing mortgage rates drop. If you have a mortgage with a rate that starts with a 6 or higher, call, text, dm, carrier pigeon me. It’s time we chat to see how much we can save you on your mortgage.

Or use this link in my bio to apply

Philip Carcel Munce NMLS 2067892
Next Wave Mortgage NMLS 2536820

The U.S. likely added 900,000 fewer jobs in the twelve months ending in March than had been reported, according to a preliminary Labor Department report.

09/05/2025

📉📈 Buyers are winning in most U.S. housing markets right now!

This map shows where the balance of power lies:
🔴 Buyer’s Markets dominate the country
⚫ Balanced Markets are holding steady
🔵 Seller’s Markets are rare (but Newark is holding strong)

💡 In fact, Florida is the strongest buyer’s market in the nation — great news if you’ve been waiting for the right time to jump in.

Now might be your chance to secure a home with more negotiating power, better pricing, and opportunities for creative financing.

Are you ready to take advantage? Let’s chat. 🏡

07/19/2025

Brunched, binged, and bedazzled ✨ My husband and I had a blast at for the July Drag Brunch & Bingo hosted by & 🎉
s was absolutely IN 👏 CRED 👏 IBLE 👏 and the balloon backdrop from was chef’s kiss 🎈💖

Events like these remind me why I love calling Florida home and helping others do the same. 🏡 If you’re thinking about buying a home, let’s talk strategy, savings, and slay-worthy loans 💅

05/19/2025

Jax making the list at #10 and we’re now over 1 million residents in the city! Congrats Jacksonville!

The United States Census Bureau released on Thursday its 2024 population estimates, and Jacksonville was among the cities that experienced some notable growth.