Amber Phillips at Rate NMLS 1962714

10/19/2026

Mortgage clients hearing “ just one more document” for the 17th time.
I know it feels like a lot. Every bank statement, paystub, and oddly specific explanation helps keep your loan moving forward towards closing.
I promise I’m not asking for fun. I just really want to get you those keys.
And yes... I may need one more thing. 🤪

10/16/2026

Your friend, family, or co-worker’s mortgage interest rate might be different than yours, but that doesn’t automatically mean you’re getting a bad deal! Let me explain!

10/15/2026

Did you get this riddle right? While the answer gets a lot of attention, it’s only one piece of the larger mortgage puzzle. Discover the other numbers and details worth considering in our guide, or speak with me to better understand the big picture.
https://myoc.io/fqyqBYZG4e4/Jcvlb



NMLS # 1962714

10/15/2026

This is your reminder, who you work with matters! Make sure the lender and real estate agent are working for you! In most places, it is a buyers market, use that to your advantage.
Ask for those seller concessions!
Comment “credit” if you have questions and I’Il message you!

10/14/2026

10/14/2026

September home sales were mixed, with sales increasing in the South and West, holding steady in the Midwest and declining in the Northeast compared to last month. Year-over-year sales are down in all four regions, but many buyers are still entering contracts thanks to a 1.9% increase in inventory.

Want to know how to make the most of this evolving market? Let’s talk.
https://myoc.io/fqyqBYZG4e4/WN5JU



NMLS # 1962714

10/12/2026

VA manual underwriting doesn’t mean automatic denial! Sometimes your loan just needs a little extra review. 🙂
Let me know if you have any questions.

10/08/2026

How’d you do on this edition of the mortgage pop quiz? The best way to begin your homebuying journey is knowing your budget. A pre-approval serves as a helpful starting point so you can focus on homes you can afford, save time and prevent the decision fatigue that comes with endless options.

I’m here to help you take the guesswork out of the big purchase.
https://myoc.io/fqyqBYZG4e4/8C27P



NMLS # 1962714