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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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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The process was seamless. The app made communication very easy. Phebe treated me like a person.
Reply from Phebe Ellis-Roach
June 16th, 2026 02:38 PM
Malcolm, I appreciate your kind words. I'm glad that you found the process seamless and that the app facilitated easy communication. Treating clients with a personal touch is important to me, and I'm happy it made a difference for you. If you...
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Great team!
Reply from Phebe Ellis-Roach
June 9th, 2026 02:25 AM
Hey Rylee Bea! It's nice to hear that you enjoyed working with the team at RWM Home Loans. If there's anything else you need or any questions you have, please feel free to reach out.
The whole process was made extremely easy. The app was easy to use and very helpful with uploading all required documents. Catherine was very know. She would answer all my questions and always kept me in the loop with what was going on. We...
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Reply from Phebe Ellis-Roach
June 8th, 2026 10:14 PM
Erica, I appreciate your positive feedback and am glad to hear that the process was easy for you. It's great to know that the app was helpful and that Catherine's support made a difference in your experience. Your satisfaction and recommendation...
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The communication was great, and you made the whole process so seemless! I also appreciated the willingness to be in direct contact with me realtor!
Reply from Phebe Ellis-Roach
May 25th, 2026 01:40 PM
Montana, I appreciate your kind words about the communication and seamless process. It's important to me to work closely with your realtor to ensure everything goes smoothly. If you need any further assistance, feel free to reach out. Thanks...
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Everyone was super kind and extremely helpful!
Reply from Phebe Ellis-Roach
May 11th, 2026 03:36 PM
I'm grateful for your kind words, Jenna. It's appreciated to hear that you found the team at RWM Home Loans to be helpful and kind. If there's anything more I can do for you, please feel free to let me know. Enjoy your new home.
Quick responses, weekly updates, patience with our lack of knowledge, friendliness and willingness to help! I do wish we had more of a roadmap to start with, but you live and you learn!
Reply from Phebe Ellis-Roach
April 30th, 2026 01:00 AM
Ashley, thank you for sharing your experience. I'm glad to hear that my quick responses and weekly updates were helpful to you. Your feedback about having a roadmap is valuable, and I'll consider ways to improve that aspect. If you need any...
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Any questions I had, Phebe was immediately available and got me answers fast!
Reply from Phebe Ellis-Roach
April 27th, 2026 01:31 PM
Kathryn, I appreciate your review. I'm glad I could provide prompt answers to your questions and be available when you needed assistance. If there's anything else you need, please feel free to reach out. I am excited we got you a better rate...
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Phoebe is awesome and team is the same. Quick to return call and very helpful
Reply from Phebe Ellis-Roach
April 20th, 2026 03:29 PM
Pastor Jackie, I appreciate your kind words about my team and me. I'm glad to hear that our promptness and helpfulness made a positive impact on your experience. If there's anything else you need, feel free to reach out. I hope you and miss...
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Thanks for your help on it all. We'll make it easier next time.
Reply from Phebe Ellis-Roach
April 12th, 2026 11:52 PM
I'm glad I could assist you with the process, Davis. Making things easier is always a priority, so please feel free to reach out whenever needed. Looking forward to helping with any future needs you may have. Congratulations! You did it!!!...
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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
Search Rank ScoreLearn More →
443
/850
Search Rank Score
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Memberships
- Lubbock Association of Realtors
- West Texas Home Builders Association Lubbock
- NMLS
Addresses and Serving Areas
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