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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
    D
    Dana E E
    Hendersonville, TN
    Posted on March 19th, 2025 12:06 PM
    Melissa helped Us get pre-approved quickly on a Saturday night so we could put an offer in on a house that had 60 people at an open house Which ultimately led us to getting the house!
    Reply from Melissa Luman-Phillips
    December 22nd, 2025 08:19 PM
    Dana, I'm so thrilled to hear that my quick pre-approval helped you secure your home, especially with such high competition at the open house. It was my pleasure to assist you on that Saturday night, and I'm delighted it all worked out. Wishing...
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    Shelby H K
    Lafayette, TN
    Posted on March 15th, 2025 04:04 PM
    The ease of the process and how thorough melissa was with everything and making sure we got the best rate and best deal for buying our first house.
    Reply from Melissa Luman-Phillips
    December 22nd, 2025 08:19 PM
    Shelby, thank you so much for your kind words! It was an absolute pleasure working with you to buy your first home. I’m thrilled to hear that the process felt easy and that you were satisfied with the rate and deal we secured. Please feel free...
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    K
    Kelsie G H
    Nashville, TN
    Posted on March 3rd, 2025 03:28 PM
    Melissa was wonderful! Very prompt and communicative!
    Reply from Melissa Luman-Phillips
    December 22nd, 2025 08:19 PM
    Thank you so much, Kelsie! I'm thrilled to hear that you had a positive experience. It was a pleasure working with you, and I'm glad I could assist you promptly and keep the communication clear. If you need anything in the future, don't hesitate...
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    Danielle B
    Hendersonville, TN
    Posted on March 1st, 2025 12:07 PM
    Melissa closed a jumbo loan for my husband and I, both self employed, in under 18 business days with a federal holiday thrown in there! This is unheard of. There were some hecti days, but Melissa made it happen. If you are looking for a lender...
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    Reply from Melissa Luman-Phillips
    December 22nd, 2025 08:19 PM
    Danielle, thank you so much for your kind words! It was truly a pleasure working with you and your husband. I'm thrilled we could navigate the complexities of a jumbo loan together and meet the tight deadline. Your trust means a lot, especially...
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    Danielle B
    Gallatin, TN
    Posted on February 3rd, 2025 11:50 AM
    Melissa gets it done, and takes great care of the client. Melissa stays on top of everything from start to finish making for an easy transaction with no surprises!
    Reply from Melissa Luman-Phillips
    December 22nd, 2025 08:19 PM
    Danielle, thank you so much for your kind words! It means a lot to me that you felt well taken care of during the process. I always strive to make things as smooth and transparent as possible, so I'm thrilled to hear I hit the mark. I appreciate...
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    S
    Serena L C
    Gallatin, TN
    Posted on February 1st, 2025 11:45 AM
    Melissa was so wonderful to work with- patient and super communicative!
    Reply from Melissa Luman-Phillips
    December 22nd, 2025 08:19 PM
    Serena, thank you so much for your kind words! It was truly a pleasure working with you, and I'm so glad I could make the process smooth and easy. I appreciate you taking the time to share your experience.
  • Encompass
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    Maddison S P
    Smyrna, TN
    Posted on January 12th, 2025 06:42 PM
    Great communication and dedication to work!
    Reply from Melissa Luman-Phillips
    December 22nd, 2025 08:19 PM
    I'm thrilled to hear that you appreciated my dedication to work and communication skills, Maddison. Feedback like yours motivates me to continue providing exceptional service. Thank you for choosing Highlands Residential Mortgage, Ltd. and...
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  • Encompass
    T
    Toby E J
    Smyrna, TN
    Posted on January 8th, 2025 01:51 PM
    Very comfortable to communicate
    Reply from Melissa Luman-Phillips
    December 22nd, 2025 08:19 PM
    I'm thrilled to hear that you felt comfortable communicating with me, Toby. Your positive feedback means a lot. At Highlands Residential Mortgage, Ltd., we always strive for open and easy communication with our clients. Thank you for the 5-star...
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  • Encompass
    R
    Rachel P
    Hendersonville, TN
    Posted on January 7th, 2025 07:27 PM
    Melissa shows confidence in her profession and ability to provide clients with the best option for their loan. She's a hard worker and will make it happen!
    Reply from Melissa Luman-Phillips
    December 22nd, 2025 08:19 PM
    I'm sincerely grateful for your high rating and thoughtful review, Rachel. It was indeed a pleasure assisting you with your loan, and I'm thrilled to know you're satisfied with the service. At Highlands Residential Mortgage, Ltd., we're dedicated...
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  • Encompass
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    William T B
    Hendersonville, TN
    Posted on December 23rd, 2024 03:52 PM
    Clear communication and expectations. Fast response to all questions and requests... Excellent customer service!
    Reply from Melissa Luman-Phillips
    December 22nd, 2025 08:19 PM
    I'm truly grateful for your kind words, William! I'm thrilled to know that you were satisfied with the communication, responsiveness, and customer service provided. It's always my goal to ensure that all questions and requests are handled promptly...
    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.