Christopher "Chief" Phelps - Mortgage Loan Originator NMLS #340763

Christopher "Chief" Phelps - Mortgage Loan Originator NMLS #340763 Chief Phelps Mortgage - NMLS #2753550

You answer the call for Florida. This program may answer one for you.Eligible borrowers may qualify for up to $35,000 to...
09/03/2026

You answer the call for Florida. This program may answer one for you.

Eligible borrowers may qualify for up to $35,000 toward down payment and closing costs. Full-time employment with a Florida-based eligible employer, first-time-homebuyer, income, loan, primary-residence and other program requirements apply. Funding availability applies.

Call or text 407-775-2124 to ask whether your occupation and employer may qualify.

Scrubs, a scaler and a surprising path toward homeownership.Eligible borrowers may qualify for up to $35,000 toward down...
08/27/2026

Scrubs, a scaler and a surprising path toward homeownership.

Eligible borrowers may qualify for up to $35,000 toward down payment and closing costs. Full-time employment with a Florida-based eligible employer, first-time-homebuyer, income, loan, primary-residence and other program requirements apply. Funding availability applies.

Call or text 407-775-2124 to ask whether your occupation and employer may qualify.

The record may show that your profession belongs on the eligibility list.Eligible borrowers may qualify for up to $35,00...
08/20/2026

The record may show that your profession belongs on the eligibility list.

Eligible borrowers may qualify for up to $35,000 toward down payment and closing costs. Full-time employment with a Florida-based eligible employer, first-time-homebuyer, income, loan, primary-residence and other program requirements apply. Funding availability applies.

Call or text 407-775-2124 to ask whether your occupation and employer may qualify.

Testimonial Tuesday - ❤️🏠 From application to closing, we treat your loan like an emergency—and you like family. ❤️🏠 Rea...
08/18/2026

Testimonial Tuesday - ❤️🏠 From application to closing, we treat your loan like an emergency—and you like family. ❤️🏠 Ready to make moves?

Questions about Florida Hometown Heroes? Call or text 407-775-2124. Our AI assistant can answer many common program ques...
08/13/2026

Questions about Florida Hometown Heroes? Call or text 407-775-2124. Our AI assistant can answer many common program questions 24/7. Qualification and program requirements apply. Equal Housing Opportunity.

08/10/2026

Florida Hometown Heroes 2026: Funding Is Live. Eligible Florida workers may qualify for up to $35,000 toward down payment and closing costs. Call or text 407-775-2124 with questions. Program requirements and funding availability apply. This is not a commitment to lend. Equal Housing Opportunity.

Florida Hometown Heroes 2026: Funding Is Live.Eligible Florida workers may qualify for up to 5% of the first mortgage am...
08/07/2026

Florida Hometown Heroes 2026: Funding Is Live.

Eligible Florida workers may qualify for up to 5% of the first mortgage amount—minimum $10,000 and maximum $35,000—toward down payment and closing costs.

Potentially eligible groups include healthcare workers, school staff, first responders, public-safety and court employees, childcare workers, active military members, reservists and eligible veterans.

The assistance is a 0%, non-amortizing, 30-year deferred second mortgage. It is not forgivable and becomes due upon sale, refinancing, deed transfer or when the home is no longer the borrower’s primary residence.

Questions about your occupation or the program? Call or text 407-775-2124. Our AI assistant can answer many common questions 24/7.

Apply or learn more: https://chiefphelps.my1003app.com/340763/register

Full-time employment, first-time-homebuyer, income, occupation, primary-residence, first-mortgage and program requirements apply. Funding is subject to availability. This is not a commitment to lend. Chief Phelps Mortgage NMLS #2753550. Chris Phelps NMLS #340763. Equal Housing Opportunity.

05/26/2026

After 21 years in the mortgage business and a career in the fire service, I can tell within five minutes whether a lender is going to embarrass you at the closing table.

Most Realtors never think to run this test before sending a client to a lender, and the ones who skip it are the ones who end up with deals falling apart at the worst possible moment. Your reputation is on the line every single time you refer a buyer to someone on the lending side and you deserve to know exactly who you are working with before that trust is broken.

Comment "CHECKLIST" and I will DM you the 6 questions every Realtor should be asking their buyer's lender before sending a single client their way.

05/20/2026

The rules for credit scores on mortgages just changed in a massive way, and this could genuinely be the news you have been waiting for.

On April 22nd, HUD, Fannie Mae, and Freddie Mac officially rolled out VantageScore 4.0 and FICO 10T for mortgage underwriting. This is the biggest credit scoring shakeup in 30 years and the implications for buyers who have been on the sidelines are significant. The new models now factor in on-time rent payments and 24-month credit trends rather than just a snapshot of your score on a single day. That is a genuine game changer. It rewards people who have been paying rent reliably for years and gives lenders a much fuller and more accurate picture of how you actually handle money over time.

An estimated 5 million previously rejected buyers could now qualify under these new models. If you have been told no in the past, this is the moment to circle back and get re-evaluated with fresh eyes. Even if your traditional score felt borderline, the new system may put you over the qualification line because consistent rent payments and steady payment history finally count toward your mortgage approval in a meaningful way.

Reach out and ask your loan officer to run your numbers under the new models. Follow me for more updates that can help put you in your next home.

Address

4767 New Broad Street, Suite 1130
Orlando, FL
32814

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+14077752124

Website

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