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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

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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
Mon
8:30 AM to 5 PM
Tues
8:30 AM to 5 PM
Wed
8:30 AM to 5 PM
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Reviews from Web
  • Encompass
    A
    Amanda W R
    Hendersonville, TN
    Posted on May 8th, 2025 02:12 PM
    Melissa is not only professional but friendly and trustworthy! i will recommend her to anyone needing a mortgage!
    Reply from Melissa Luman-Phillips
    December 22nd, 2025 08:19 PM
    I'm delighted to hear that you found my services both professional and friendly. It was a pleasure assisting you, and I sincerely appreciate your recommendation.
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    Jennifer L D
    Gallatin, TN
    Posted on May 4th, 2025 11:07 PM
    Melissa communicates so clearly with her clients. She helped us from the time when we began the build process until we closed. She was always available to any question we had.
    Reply from Melissa Luman-Phillips
    December 22nd, 2025 08:19 PM
    I'm thrilled to hear that my communication and availability made your experience smooth and successful from start to finish. It was a pleasure assisting you throughout the build and closing process. Thank you for your kind words and for choosing...
    read more
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    K
    Kara S H
    Kingston Springs, TN
    Posted on April 13th, 2025 10:36 PM
    All of it! Thank you!
    Reply from Melissa Luman-Phillips
    December 22nd, 2025 08:19 PM
    I'm thrilled to hear that you had a positive experience, Kara. It was a pleasure assisting you, and I appreciate your kind words. If you need anything else, feel free to reach out.
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    William A A
    Cross Plains, TN
    Posted on April 11th, 2025 11:58 AM
    Mellissa is awesome , great communication and very prompt any time I needed anything. Highly recommend Highland and Mellissa!
    Reply from Melissa Luman-Phillips
    December 22nd, 2025 08:19 PM
    I'm thrilled to hear that you had such a positive experience, William. Your kind words about my communication and promptness are greatly appreciated. Thank you for recommending Highlands Residential Mortgage and me!
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    S
    Sheila M A
    Cross Plains, TN
    Posted on April 9th, 2025 11:12 AM
    Super nice! Super helpful! Excellent communication! And very pretty! 😊
    Reply from Melissa Luman-Phillips
    December 22nd, 2025 08:19 PM
    I'm glad to hear that you had a positive experience with me. It was a pleasure to assist you, and I appreciate your kind words about my communication and support. Thank you for your feedback!
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    G
    Garold I M
    Kingston Springs, TN
    Posted on April 6th, 2025 12:48 AM
    Great experience. Melissa gets it done!
    Reply from Melissa Luman-Phillips
    December 22nd, 2025 08:19 PM
    I'm thrilled to hear that you had a great experience, Garold. It was a pleasure working with you, and I appreciate your kind words.
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    Nicole J
    Springfield, TN
    Posted on April 3rd, 2025 03:51 PM
    I can’t say enough great things about Melissa! My client came to me as a renter, unsure if homeownership was even possible. With Melissa’s expertise and dedication, they not only got approved but secured a mortgage for less than what their...
    read more
    Reply from Melissa Luman-Phillips
    December 22nd, 2025 08:19 PM
    I'm thrilled to hear about the positive impact on your client's journey to homeownership. It was a pleasure to assist and help make their dream a reality. Your kind words mean a lot, and I'm grateful for the opportunity to work with you.
  • Encompass
    A
    Arienne H
    Kingston Springs, TN
    Posted on April 3rd, 2025 01:31 PM
    Always love working with Melissa. She gets the job done with very few if any issues. She keeps in communication throughout the whole process. Thank you Melissa
    Reply from Melissa Luman-Phillips
    December 22nd, 2025 08:19 PM
    I'm thrilled to hear about your positive experience, Arienne. It was a pleasure working with you, and I'm glad I could assist you effectively. Thank you for your kind words and trust throughout the process.
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    Jacob M M
    White House, TN
    Posted on March 22nd, 2025 02:58 AM
    We were very stressed, we had a few set backs and weren't sure if we would be able to get the house. Melissa and her team acted fast and supported us throughout. Quick responses, great communication. We were very pleased with the service.
    read more
    Reply from Melissa Luman-Phillips
    December 22nd, 2025 08:19 PM
    Jacob, thank you so much for taking the time to share your experience. I completely understand how stressful the process can be, and I'm thrilled that my team and I were able to support you through it. Your kind words about our quick responses...
    read more
  • Encompass
    M
    Miller E
    White House, TN
    Posted on March 21st, 2025 02:53 PM
    Melissa is the absolute best working with all levels of buyers. Whether it's a THDA 1st Time Home Buyer or someone buying a $3M lake home, her experience and expertise make it an a easy process. I have never been worried about any loan closing...
    read more
    Reply from Melissa Luman-Phillips
    December 22nd, 2025 08:19 PM
    Thank you so much for your kind words, Miller! It truly means a lot to me to hear such positive feedback. I strive to make the home buying process as smooth and stress-free as possible for all my clients, regardless of their level of experience....
    read more
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    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
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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.