Down Payment Assistance
We want to make homeownership dreams a reality.Learn More
As a lifetime resident of Fredericksburg, Philip is proud of his hometown and is deeply committed to making homeownership a reality for people in Fredericksburg and the surrounding communities. With over 28 years of mortgage banking experience, Philip is known for his hard work and dedication. He stays actively involved with the local realtor and builder associations, which keeps him current on the housing industry, both locally and on a national level. This knowledge will help him explore the many options to get you the mortgage that is right for you and your family. He consistently exceeds his customer's expectations and strives to be your 'Lender for Life.' Buying a home is one of the biggest purchases most of us make. House hunting can be exciting and disappointing at the same time. Some people find the perfect home in three days, for others, it can take months. We've seen it all. And we understand how you feel. Once you finally find the perfect home, let us help you quickly find the perfect mortgage.
The decision to refinance a home mortgage can involve many factors. You might want to take cash out of your home when you refinance to use for other purposes. But the most common purpose is to obtain a lower interest rate and lower monthly payments. In the latter case, the decision to refinance should be based on lowering the overall mortgage costs and breaking even on the refinance in a reasonable period of time.
From finding a Mortgage Banker to welcoming your new Home, find out how the loan process works.
At Ameris Bank, we help turn your home buying dreams into reality! We also understand that there is no purchase more important, rewarding or exciting as a new home. We are dedicated to helping you through the process and keeping you updated with your loan status each step of the way.
Ameris Bank Mortgage Services is backed by Ameris Bank, a strong and stable community bank built on relationship banking and customer service.