Phebe Ellis-Roach
Branch Manager
A Monterey High School graduate, I began my career in the mortgage industry at just 17 through a school to work program that allowed me to gain hands on experience while finishing school. Since then, I have dedicated my career to helping pe... Show More
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Phebe was very knowledgeable and easy to work with
RWM Home Loans provided clear communication and consistent updates for the entire process. Any and all questions we had were answered immediately. The guidance and team service from start to finish was top-notch outstanding.
Reply from Phebe Ellis-Roach
July 30th, 2026 08:36 PM
Audrey, I appreciate your kind words about the team service and guidance you received at RWM Home Loans. I'm glad to know that our clear communication and immediate responses made a positive impact on your experience. If you have any more questions...
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Phebe has helped us with 3 transactions so far and countless of our family memebers. I trust her with our mortgage needs and wouldn't consider using anyone else.
Reply from Phebe Ellis-Roach
July 30th, 2026 08:21 PM
Jeremy, I truly appreciate your trust and continued support over multiple transactions. It means a lot to know that you and your family feel confident in my assistance with your mortgage needs. If there's anything more I can do for you, please...
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Phebe and her team were very attentive, communicative and made the process extremely easy!
Reply from Phebe Ellis-Roach
July 29th, 2026 08:51 PM
Thank you, Tayler, for sharing your experience. I'm grateful to hear that my team and I were able to make the process easy for you through attentive and communicative service. If there's anything more you need or any questions arise, feel free...
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The attention and support provided by Phebe She is an expert in her field We appreciate her so much
Reply from Phebe Ellis-Roach
July 13th, 2026 04:16 PM
Yvette, thank you for your wonderful feedback. I'm grateful to know that the attention and support I provided made a positive impact. Your appreciation means a lot to me, and I'm here if you need any further assistance or have more questions...
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Thank you!
Reply from Phebe Ellis-Roach
July 6th, 2026 08:47 PM
I appreciate your feedback, Danielle! If there's anything else you need or any questions you have, feel free to reach out.
She took all of the stress away. Thank you!
Reply from Phebe Ellis-Roach
July 6th, 2026 08:48 PM
I'm grateful for your kind words, Kelly. It's nice to know that I could help ease the stress during your process. If you have any more questions or need anything else, I'm here to assist!
Phoebe made everything so easy and was extremely helpful answering all questions. She's the best! Thank you 😊
Reply from Phebe Ellis-Roach
July 6th, 2026 08:48 PM
I'm grateful for your kind words, Eva. I'm happy to hear that I could make the process easy for you and assist with all your questions. If you ever need anything else, please feel free to reach out.
process was painless, and I never felt like I was out of the loop. Everyone was very personable.
Reply from Phebe Ellis-Roach
June 24th, 2026 02:20 PM
Fred, I appreciate your feedback. I'm glad to hear that the process was smooth and that you felt well-informed throughout. It's important to me and the team at RWM Home Loans to provide a personable experience. If you need any further assistance,...
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I've used Phebe for every mortgage ive I've ever gotten and she's been fabulous! Great communication from her and her team! The app makes submitting documentation seamless! Thank you!
Reply from Phebe Ellis-Roach
June 16th, 2026 02:36 PM
Whitney, I appreciate your continued trust in me for your mortgage needs. I'm glad to hear that both my communication and the app have contributed to a seamless process for you. If you have any more questions or need assistance in the future,...
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About
A Monterey High School graduate, I began my career in the mortgage industry at just 17 through a school to work program that allowed me to gain hands on experience while finishing school. Since then, I have dedicated my career to helping people achieve homeownership while also mentoring others in the industry. Over the years, many successful loan officers, underwriters, and processors have been part of my team, and I take pride in helping them grow in their careers. With years of industry experience and a passion for service, my goal is to make the home financing process smooth and stress free for every client.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Specialities
Conventional Loans
FHA Loans
VA Loans
USDA Loans
Heloc Loans
Home Equity Loans
Reverse Mortgage Loans
New Construction Loans
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Memberships
- Lubbock Association of Realtors
- West Texas Home Builders Association Lubbock
- NMLS
Addresses and Serving Areas
Primary Serving Area
Year Started
1994
Time Zone
Central Standard Time (CST)
Licenses
- NMLS# 335849
Hobbies
- Spending time with my family at the lake
- Texas Tech Sporting Events (Football and Men's and Women's Basketball)
- Greeting smiling faces at Church On The Rock
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Disclaimer
Not all products are available in all states for all amounts. All mortgage applications are subject to underwriting guidelines and approval. This is not an offer of credit or a commitment to lend.
Equal Housing Lender.
Residential Wholesale Mortgage, Inc. dba RWM Home Loans is licensed by the CA Bureau of Real Estate #01174642 and the CA Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. NMLS #79445