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BILL PHILLIPS

Senior Loan Advisor

NMLS ID: 230295

If you’re thinking about purchasing or refinancing a home, I’m here to guide you
through the process—from application through closing.

Apply Now Contact me

1100 Lincoln Avenue, Suite 251

San Jose, CA 95125

Bill.Phillips@flagstar.com
Get directions
Office (408) 993-9133
Mobile (408) 219-4134
Fax (866) 213-5310


ABOUT BILL PHILLIPS

Buying a house means more than finding a place to live. It’s one of the biggest
financial decisions you’ll ever make—but you don’t have to go at it alone.

 

As your home loan advisor, I am genuinely interested in your financial success.
I want to listen to your story and understand your financial goals. From there,
I can build a personalized mortgage solution for your unique needs. Flagstar
Bank has more than 600 different home loans available, so we are certain to have
the right mortgage for nearly every situation.

 

With over 30 years of experience in home lending, Flagstar knows what it takes
to get you to closing as quickly and as smoothly as possible. I will keep you
informed every step of the way to give you peace of mind about your new home.

 

Whether you are moving around the corner or across the country, you can rely on
me as a trusted resource. I have a deep understanding of the local housing
market, and I can originate loans in all 50 states. After you buy your home,
contact me when it’s time to refinance, remodel, or buy a second home. And if
you’re an investor, I can build a competitive mortgage to finance your
investment properties.

 

Contact me today to get started.


MORTGAGE SPECIALIZATION

 * Jumbo Loans


LANGUAGES SPOKEN

 * English


CLIENT TESTIMONIALS

Hear what my previous clients have to say about my work.

Curt E.

“Everything went very smoothly!”
Dhananjay J.

“Bill provided excellent guidance and information about the mortgage process. He
was available to answer questions promptly, and he worked with our Realtors to
anticipate and resolve any issues. Very glad to have worked with Bill on our
mortgage.”
Eileen H.

“I have worked with Bill from my 1st home to my refinance that I just finished
and the 17 years in between. He is my gauge on when to refinance and has never
given me bad advice. I trust him completely, and I am not one to trust easily.”


WHY FLAGSTAR

Why choose Flagstar? Because we’re powered by our Human Interest Rate – the
interest in our customers that powers mortgage solutions built around their
unique needs.



WHAT TO EXPECT

We get it: Purchasing a home or refinancing your mortgage is a big deal, and
having a relationship with the right lender is essential. Get started by
connecting with an experienced and trusted Flagstar home loan advisor. Starting
on Day 1, we'll work with you to find the type of loan that suits your needs,
and guide you through the lending process to make it as smooth and stress-free
as possible.

Please select your lending process


Use left and right arrows to navigate between tabs.
 * Purchasing a home
 * Refinancing your home

STEP 1



Pre-qualify & Gather Financials

Submit your financial information and we’ll give you a personalized estimate for
your loan.

STEP 2



Pre-approval

Once you’re pre-approved, we’ll coordinate with the escrow or title company.1

STEP 3



Loan Review

Once your offer is accepted, we'll pass along your information to our
underwriters to lock your mortgage interest rate.

STEP 4



Loan Approval

Once our underwriters approve your loan, we'll get you ready for closing.

STEP 5



Close & Receive Your Funds

We’ll close your loan and wire your funds into escrow so you can complete your
home purchase.



 

1A preapproval is an initial determination of an applicant's ability to borrow
up to a certain amount. It is based upon certain assumptions resulting from an
initial review of incomplete credit information criteria. A preapproval is not
an approval of a completed application nor is it a commitment to lend or a
guarantee of any particular loan product, features or terms. Final loan approval
follows a comprehensive analysis of an applicant's creditworthiness, the
satisfaction of all product-specific underwriting requirements and conditions
and property acceptability and eligibility.

STEP 1



Loan Application

Complete a loan application online, and submit the necessary financial
documents.

STEP 2



Appraisal

We'll conduct an appraisal of your property to determine its current value.

STEP 3



Underwriting Approval

Once our underwriters approve your loan, we'll get you ready for closing.

STEP 4



Loan Signing & Funding

We'll close your loan and wire your funds into escrow so you can access your
funds.




FINANCIAL CALCULATORS

If you're looking to buy a new home, we're here to help you plan ahead and see
how much your mortgage may cost. Figuring out monthly mortgage payments is an
important part of financing your home, sweet home. Enter the potential cost of
your property and loan information into our mortgage payment calculator to see
the breakdown of your estimated monthly payments and overall expected loan
payoff schedule.

Monthly Mortgage Payment Calculator



BILL PHILLIPS

Senior Loan Advisor

NMLS ID: 230295

If you’re thinking about purchasing or refinancing a home, I’m here to guide you
through the process—from application through closing.

Apply Now Contact me

1100 Lincoln Avenue, Suite 251

San Jose, CA 95125

Bill.Phillips@flagstar.com
Get directions
Office (408) 993-9133
Mobile (408) 219-4134
Fax (866) 213-5310


REQUEST A CONTACT

Fill out the information below and I'll reach out to you shortly.

--------------------------------------------------------------------------------

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Bill Phillips

Senior Loan Advisor

NMLS ID: 230295

Get directions
Call me
Email Me
Apply Now
Contact me


Programs for qualified borrowers. All borrowers subject to credit approval,
underwriting approval and lender terms and conditions. Programs subject to
change without notice. Some restrictions may apply. Not a commitment to lend. A
loan advisor will review and provide you the terms, conditions, disclosures, and
additional details on the interest rates that apply to your individual
situation.

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