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 and her team were great throughout this whole process. They answered all of my questions timely and were extremely helpful! They made what can be a stressful process seamless.
Reply from Phebe Ellis-Roach
August 31st, 2026 04:54 PM
Sarah, I appreciate your kind words. I'm glad to hear that my team and I could make the process seamless and answer all your questions in a timely manner. It's fulfilling to know we could help ease the stress for you. Enjoy your new home!
The whole process was a little overwhelming,
but Phebe and her team got me thru it.
Reply from Phebe Ellis-Roach
August 28th, 2026 09:54 PM
William, I appreciate your feedback. I'm glad that my team and I could assist you through the overwhelming process. If you have any more questions or need further support, feel free to reach out. I am excited for you and your new home!
The Best in the Business!!! Highly Recommend.
Reply from Phebe Ellis-Roach
August 25th, 2026 08:40 PM
Walter, I appreciate your enthusiastic recommendation. It means a lot to know you consider me the best in the business. Thank you for allowing my team and I to help you again!!! I appreciate your repeat business! I will be ready when you are...
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Phebe was attentive, informative and very helpful. Working with her was a dream!
Reply from Phebe Ellis-Roach
August 17th, 2026 10:43 PM
Sharla, I appreciate your kind words. I'm glad to hear that you found my assistance attentive and informative. It was a pleasure working with you! Welcome back to Texas!
Phebe was very helpful and answered all of our questions in a timely manner. We could call or text at any time and she would return our call promptly. Everything went smoothly.
Reply from Phebe Ellis-Roach
August 4th, 2026 06:52 PM
Timmy, I appreciate your positive feedback. I'm glad to hear that my timely responses and availability made the process smooth for you. If there's anything more you need, feel free to reach out. Welcome to your new home!
Worked with Phebe many times and never disapointed Thanks for everything!
Reply from Phebe Ellis-Roach
August 4th, 2026 04:30 PM
Jay, I appreciate your continued trust and support. It's great to hear that your experiences have been consistently positive. If you ever need anything else, I'm here to help! Excited for you and your new home!
We originally didn’t realize we could use a lender other than Veterans United for our VA loan, and we’re so glad we found this team! They made the entire process smooth and stress-free, kept us informed every step of the way, and were always...
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Reply from Phebe Ellis-Roach
August 3rd, 2026 08:24 PM
Amber, I'm so glad to hear that you found the process smooth and stress-free with us. Keeping you informed and being available to answer your questions is something I prioritize, especially for fellow veterans. Thank you for your recommendation,...
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Phebe was very knowledgeable and easy to work with
Reply from Phebe Ellis-Roach
August 3rd, 2026 08:24 PM
Courtney, I appreciate your kind words and am glad to hear that my knowledge and ease of collaboration were helpful to you. If you have any further questions or need assistance in the future, please feel free to reach out.
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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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