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Proudly serving clients across New York.
I understand that buying or refinancing a home is one of the most significant financial decisions my clients will make. That's why I'm committed to giving my team the knowledge, resources, and support they need to guide borrowers through the mortgage process with confidence and attention to every detail.
With extensive experience across all facets of mortgage lending, I can help my team navigate everything from first-time home purchases to refinancing and complex financing needs. My expertise includes Conventional, Jumbo, FHA, VA, USDA, and Renovation loans.
I stay current on financial and housing-market trends, mortgage guidelines, and state and federal regulations so I can serve as a trusted resource for my team and our clients. My goal is to ensure our clients receive more than just a loan—they receive informed guidance and the most competitive financing solution for their unique needs.
Rating: 5.0 out of 5.0 from Encompass Phil made the entire mortgage process smooth and stress-free. He was incredibly quick to respond, supportive at every step, and always easy to reach whenever I had questions. He explained everything clearly, kept me updated throughout the process, and made sure everything stayed on track. His professionalism, responsiveness, and dedication gave me ... ManishWatervliet, NY Aug 07
Phil made the entire mortgage process smooth and stress-free. He was incredibly quick to respond, supportive at every step, and always easy to reach whenever I had questions. He explained everything clearly, kept me updated throughout the process, and made sure everything stayed on track. His professionalism, responsiveness, and dedication gave me ...
Rating: 5.0 out of 5.0 from Encompass I have used Phil many times in the past because he is responsive, efficient, and is quite frankly a mortgage magician. This particular buyer had trouble getting approved through another lender and Phil was able to swoop in and get it done. The buyer was clear to close within 3 business days of our target close date. I have and will continue to reco... AmandaColonie, NY Aug 03
I have used Phil many times in the past because he is responsive, efficient, and is quite frankly a mortgage magician. This particular buyer had trouble getting approved through another lender and Phil was able to swoop in and get it done. The buyer was clear to close within 3 business days of our target close date. I have and will continue to reco...
Rating: 5.0 out of 5.0 from Encompass Phil and Jen are very helpful, knowledgable, and personable. Any time I had a question they responded quickly and in a friendly manner that put me at ease KendellHammondsport, NY Jul 13
Phil and Jen are very helpful, knowledgable, and personable. Any time I had a question they responded quickly and in a friendly manner that put me at ease
Rating: 5.0 out of 5.0 from Encompass Everything went smooth JamesTroy, NY May 11
Everything went smooth
Rating: 5.0 out of 5.0 from Encompass I had a fantastic experience working with Phil. He was incredibly efficient from start to finish and kept communication clear, consistent, and proactive throughout the entire transaction. My client always knew exactly where things stood, which made a huge difference in keeping everyone confident and on track. In a business where timing and responsi... Amy Smith -Troy, NY May 08
I had a fantastic experience working with Phil. He was incredibly efficient from start to finish and kept communication clear, consistent, and proactive throughout the entire transaction. My client always knew exactly where things stood, which made a huge difference in keeping everyone confident and on track. In a business where timing and responsi...