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Melissa Luman-Phillips - Sr. Loan Officer | NMLS# 171023|TN: 123887 in Hendersonville, TN

Melissa Luman-Phillips

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Sr. Loan Officer | NMLS# 171023|TN: 123887

4.94
(426)
Company Logo
hank you for visiting my page! Here at Highlands, we work every day to deliver the best customer service and quality loan experience for our clients. Contact me directly using the info above, or please feel free to review and use our resour...... Show More
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Location & Business Hours
Business Hours
Wed
8:30 AM to 5 PM
Thu
8:30 AM to 5 PM(Open now)
Fri
8:30 AM to 5 PM
Overall Ratings
4.94
(426)
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Reviews from Web
  • 5.0
    Encompass
    L
    Laney E D
    Nashville, TN
    Posted on June 29th, 2026 06:45 PM
    Melissa was very intentional with all of the information needed & helped us understand each aspect! She was very communicative, receptive to any questions or feedback and was very quick to respond! We felt very taken care of.
  • 5.0
    Encompass
    B
    Bryanna A U
    Hendersonville, TN
    Posted on June 25th, 2026 01:41 PM
    Melissa was absolutely amazing! She was available all hours of the day and helped us with every question we had!
    Reply from Melissa Luman Phillips
    June 29th, 2026 04:39 PM
    Bryanna, I'm grateful for your kind words. It was my pleasure to be available and assist you with all your questions. If there's anything more you need, please don't hesitate to reach out.
  • 5.0
    Encompass
    D
    Diana M
    Hendersonville, TN
    Posted on June 16th, 2026 08:14 PM
    Melissa, kept me and the buyer informed by email, text and calls every step of the loan process. She and the support staff were very professional. Would highly recommend Melissa at Highland Mirtgage.
    Reply from Melissa Luman Phillips
    June 19th, 2026 08:15 PM
    Diana, I'm grateful for your kind words and recommendation. Keeping you and the buyer informed throughout the loan process is a priority for me, and I'm pleased to hear that my team and I met your expectations. If there's anything more I can...
    read more
  • 4.83
    Encompass
    C
    Conrad C M
    White House, TN
    Posted on June 1st, 2026 10:09 AM
    Very nice and pleasant to work with while being informative and helpful with all our questions.
    Reply from Melissa Luman Phillips
    June 4th, 2026 06:04 PM
    Conrad, I'm pleased to hear that you found our interactions informative and helpful. It's important to me to provide a nice and pleasant experience while addressing all your questions. If there's anything else you need, feel free to reach out....
    read more
  • 5.0
    Encompass
    J
    Joseph M S
    Thompsons Station, TN
    Posted on May 11th, 2026 02:51 PM
    Consistent and timely communications
    Reply from Melissa Luman Phillips
    May 14th, 2026 02:51 PM
    Joseph, I'm glad to hear that you appreciated the consistent and timely communications. It's important to me that I provide a seamless experience. If you have any more questions or need further assistance, feel free to reach out.
  • 5.0
    Encompass
    P
    Patricia S H
    Lebanon, TN
    Posted on April 9th, 2026 10:45 AM
    Melissa was amazing to work with a very knowledgeable!
    Reply from Melissa Luman Phillips
    April 13th, 2026 08:32 PM
    I'm glad to know you found my expertise helpful, Patricia. It was a pleasure working with you. If you have any more questions or need assistance, please don't hesitate to reach out.
  • 5.0
    Encompass
    M
    Mary B
    Spring Hill, TN
    Posted on March 6th, 2026 04:11 PM
    Melissa is highly educated on the market and gives great advice. She is very prompt with responses and makes herself available.
    Reply from Melissa Luman Phillips
    March 9th, 2026 04:11 PM
    I appreciate your kind words, Mary. It's always my goal to provide timely responses and valuable insights. I'm glad to hear that my availability and advice met your expectations. Should you have more questions or need further assistance, feel...
    read more
  • 5.0
    Encompass
    M
    Mary G S
    Hendersonville, TN
    Posted on March 2nd, 2026 03:31 PM
    Melissa and her team were great to work with! We needed to close fast, and they were able to accomodate us every step of the way! Could not recommend Melissa enough!
    Reply from Melissa Luman Phillips
    March 5th, 2026 03:32 PM
    Thank you for sharing your positive experience, Mary. I'm glad to hear that my team and I were able to accommodate your needs and help close quickly. Your recommendation is truly appreciated. If there's anything more you need or any questions...
    read more
  • 3.66
    Encompass
    N
    Nathaniel K J
    Springfield, TN
    Posted on March 2nd, 2026 12:32 PM
    Great experience for first time home buyers very easy to work with
    Reply from Melissa Luman Phillips
    March 5th, 2026 07:23 PM
    It's wonderful to know that your first home buying experience was a smooth process, Nathaniel. I'm pleased to have been part of this significant milestone with you. If you ever have more questions or need assistance in the future, please feel...
    read more
  • 5.0
    Encompass
    A
    Antonio H U
    Gallatin, TN
    Posted on February 28th, 2026 05:53 PM
    Experience was perfect
    Reply from Melissa Luman Phillips
    March 3rd, 2026 05:54 PM
    I'm glad to hear that your experience was perfect, Antonio. If you need any further assistance or have questions in the future, don't hesitate to reach out. Thank you for sharing your feedback!
  • 10 of 426
    About
    hank you for visiting my page! Here at Highlands, we work every day to deliver the best customer service and quality loan experience for our clients. Contact me directly using the info above, or please feel free to review and use our resources below. I look forward to working with you!
    Products & Services
    Mortgage Loan Officer
    FHA Home Loan
    VA Home Loan
    Jumbo Home Loan
    Mortgage Refinance
    Specialities
    Mortgage Lending
    FHA Loans
    VA Loans
    Government Loans
    Purchase Loans
    Refinance Loans
    First Time Homebuyer Loans
    Conventional Loans
    View All
    247
    /850
    Search Rank Score
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    Memberships
    • Sumner Realtors
    • Womens Council of Realtors

    Time Zone

    Pacific Standard Time (PST)
    Licenses
    • NMLS # 171023,TN: 123887
    Disclaimer

    Equal Housing Opportunity

    An Equal Housing Lender | Highlands Residential Mortgage, Ltd is located at 950 W. Bethany Drive, Suite 800 - Allen, TX 75013. | NMLS Identifier # 134871 www.nmlsconsumeraccess.org | A Texas Limited Liability Company registered under The Texas Department of Savings and Mortgage Lending Division of Licensing | Operating with the following licenses: AL Consumer Credit License #21266; AR Combination Mortgage Banker-Broker-Servicer License #109369; Arizona Mortgage Banker License #BK-1011006; CA-Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, Finance Lender Licensee #4131240; CO Colorado Mortgage Company Registration #134871. Regulated by the Division of Real Estate.; DC Mortgage Lender License #MLB134871; FL Mortgage Lender License #MLD968; GA Mortgage Lender License/Registration #37908; IA Mortgage Banker License #2018-0120; IL Illinois Residential Mortgage Licensee NMLS ID MB.6761013R (www.nmlsconsumeraccess.org). License by the Illinois Division of Banking, 320 West Washington St., Springfield, IL 62786, (217) 782-3000.; IN-DFI Mortgage Lending License #30529; KS Mortgage Company License #MC.0025127; KY Mortgage Company License #MC390233; LA Residential Mortgage Lending License; MD Mortgage Lender License #06-20712; MI Licensed by the Mississippi Department of Banking and Consumer Finance #134871 / Minn. Stat. Ann. § 58A.20; MO Company License #16-2132; NC Mortgage Lender License #L-157614; NE Mortgage Banker License #NE134871; NJ-Licensed mortgage banker n.s.--N.J. Department of Banking #134871; NM Mortgage Loan Company License; OH General Loan Law Certificate of Registration #GL.502014.000; OH Residential Mortgage Lending Act Certificate of Registration #MBMB.850279.000; OK Mortgage Broker License #MB002229; OK Mortgage Lender License #ML010007; Oregon Mortgage Lender License ML-5891; SC-BFI Mortgage Lender / Servicer License #MLS – 134871; TN Mortgage License #115557; TX-Texas – SML Mortgage Banker Registration #134871 https://www.sml.texas.gov/ConsumerInformation/tdsml_consumer_complaints.html; VA- Virginia Broker License #MC-5729. Virginia Lender License NMLS ID MC-5729 (www.nmlsconsumeraccess.org) NMLS ID #40889VA; Pennsylvania Lender License #75616; WA Consumer Loan Company License #CL-134871. This is not an offer for extension of credit or a commitment to lend.