Mandy Phillips, Mortgage Loan Originator

Mandy Phillips, Mortgage Loan Originator Branch manager of Omega Mortgage Group. Licensed in CA, TN, SC, TX, FL. NMLS # 1878035 NMLS # 1878035 & DRE # 01926395
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Mandy specializes in residential real estate mortgages and sales throughout California, Tennessee, & South Carolina.

09/02/2026

Am I the only one who thinks portable mortgages sound better than they might actually work? 👀🏡

The proposed MOVE Act (Making Ownership Viable for Everyone Act) would potentially allow qualifying homeowners to transfer their existing mortgage rate, terms AND remaining loan balance to a new home. (GovInfo)

And yes… keeping that 3% mortgage rate sounds AMAZING.

But here’s the part I think people are overlooking:

👉 You’re potentially moving your remaining mortgage balance — not magically financing your entire new house at your old rate.

So if you owe $250,000 but want to buy a $600,000 home… we still have to figure out how you’re financing the difference.

Could portable mortgages help some homeowners finally feel comfortable selling? Absolutely.

Do I think the MOVE Act, by itself, is going to suddenly unlock the entire housing market?

I’m skeptical. 😬

And one VERY important detail: this is currently proposed legislation — it is NOT law yet. (GovInfo)

Would being able to take your current mortgage rate with you actually make YOU move?

👇 Tell me your current rate and whether you’d consider selling if you could keep it.

08/30/2026

Do mortgage lenders use your gross or net income when pre-approving you for a home loan?

I almost never post my husband’s listings on my page… so the fact that I’m posting this one should tell you just how spe...
08/30/2026

I almost never post my husband’s listings on my page… so the fact that I’m posting this one should tell you just how special it is. 🤍

This is Reed River Ranch.

46+ acres in Red Bluff, California, with nearly half a mile of private Sacramento River frontage—and honestly, photos barely do this property justice.

This isn’t just a beautiful home. It’s the kind of property that offers an entire lifestyle:

🎣 Nearly ½ mile of private Sacramento River frontage
🚤 Private boat launch + boat slip
🌳 46.73 acres
🏡 4 bedrooms | 3 bathrooms | 2,741 sq. ft.
☀️ Owned solar + backup generator
🐎 Approximately 20 acres of fenced pasture
🛠️ 40’ × 60’ shop
🌱 Expansive garden
🍑 Fruit trees + almond orchard
🏹 Private shooting + archery ranges

It’s private, peaceful, incredibly unique, and one of those properties that would be nearly impossible to recreate today.

So yes… I’m breaking my own rule and sharing one of Chad’s listings. 😂 It’s THAT special.

📍 Reed River Ranch | Red Bluff, California
💰 Offered at $3,888,000
Listed by Chad Phillips | Shasta Sotheby’s International Realty, DRE # 01747099

Know someone dreaming about a Northern California ranch, riverfront estate, equestrian property, or private recreational retreat? Send this to them. 🤍

08/29/2026

This national down payment assistance program does not require you to be a first time homebuyer… And the down payment assistance portion can be forgiven after three years of on-time payments!

08/28/2026

🏡 Doctors & medical professionals — you may be able to buy a home with 0% down and NO monthly PMI. 👀

Physician loans can be an incredible option for qualifying medical professionals, especially if traditional mortgage guidelines don’t fit your situation.

Depending on the program, you may be able to qualify with:
🩺 0% down
💰 No monthly private mortgage insurance
📄 A brand-new employment contract
💼 New 1099/self-employed income
🏠 Higher loan amounts than many traditional programs

And these programs aren’t always just for physicians! Some may also be available for nurse practitioners, physician assistants, dentists, veterinarians and other eligible medical professionals.

If you’re finishing residency, starting a new job, relocating, or wondering whether a physician mortgage loan could help you buy sooner, reach out and I can help you look at your options.

Save this for later & send it to a medical professional who needs to know this exists! 🏡🩺

MedicalProfessional FirstTimeHomeBuyer ZeroDownMortgage NoPMI MortgageTips HomeBuyingTips NewDoctor MedicalResident NursePractitioner PhysicianAssistant Veterinarian HomeLoan

Some properties are beautiful… and some are truly one of a kind. Reed River Ranch is nearly half a mile of private Sacra...
08/28/2026

Some properties are beautiful… and some are truly one of a kind. Reed River Ranch is nearly half a mile of private Sacramento River frontage, expansive acreage, a private boat launch and slip, a gorgeous home, pool, and the kind of privacy and self-sufficient lifestyle that is incredibly hard to find.

This is so much more than a home—it’s a place to gather, explore, relax, and make memories for generations. 🌿🎣🚤

If you’ve ever dreamed of owning your own piece of Northern California paradise, you need to see this one.

✨ www.ReedRiverRanch.com
I’m excited to see who gets to call this extraordinary place home. ❤️

08/27/2026

What is the point of a fake preapproval letter?

08/26/2026

Who does mortgage insurance AKA PMI actually protect?

Address

2285 Hilltop Drive
Redding, CA
96002

Telephone

+15309458884

Website

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