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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Easy to understand instructions
Reply from Phebe Ellis-Roach
February 24th, 2025 10:25 PM
I'm really pleased to hear that you found the instructions easy to understand, Joseph. This is something we at Thrive work hard to achieve, so it's great to see that our efforts are recognized. Your feedback and the five-star rating are greatly...
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Phebe and her team were incredibly timely and communicated clearly throughout the transaction.
Reply from Phebe Ellis-Roach
February 24th, 2025 10:25 PM
Grady, I'm delighted to hear that you had such a positive experience with our team at Thrive. Clear communication and timeliness are something we all strive for, so it's great to hear that we hit the mark with you. I look forward to being able...
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The loan program offered was great. The systems and communication was lacking and last minute information and numbers on the interim construction note and permanent financing made it a super stressful situation for everyone. The stages between...
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Reply from Phebe Ellis-Roach
February 24th, 2025 10:25 PM
Thank you for taking the time to share your feedback, Caleb. I'm pleased to hear you found our loan program advantageous, but I apologize for any stress caused by the communication and last-minute changes. Your input is vital in helping us...
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Phebe and her team were amazing. They went above and beyond to make buying a home a reality. It was super simple. The app is amazing and you know what’s happening the whole process.
Reply from Phebe Ellis-Roach
February 24th, 2025 10:25 PM
Thrilled to hear that you found the home buying process simple and straightforward, Rachel! It was a genuine pleasure assisting you on this journey. The app is indeed designed to make the process as transparent and effortless as possible. On...
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The constant communication and talking my partner and I through every step of the process! I loved always being informed of where our loan was in the process of closing our house.
Reply from Phebe Ellis-Roach
February 24th, 2025 10:25 PM
I'm so thrilled to hear about your positive experience with me at Thrive. It's really important that my clients are kept in the loop at all stages, so I'm glad you felt well informed throughout the loan process. Hearing that you and your partner...
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Very knowledgeable, made getting a loan much less stressful.
Reply from Phebe Ellis-Roach
February 24th, 2025 10:25 PM
Thank you, Lucas, for your wonderful review. I'm thrilled to hear that your experience with Lower (Thrive) was stress-free and informative. I strive to make the loan process as straightforward and easy to understand as possible. Thanks again...
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Phebe and her team were very personable, friendly, and immediately available to us as when navigated the challenging process of getting a mortgage. Phebe’s direct and transparent presentation was very helpful, allowing us to be aware of where...
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Reply from Phebe Ellis-Roach
February 24th, 2025 10:25 PM
Thank you so much for the 5-star review, James! I'm thrilled to hear that my team and I were able to make your mortgage process easier. Transparency and organization are values we hold in high esteem at Thrive, so it's great to know that they...
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What a great team! We appreciate the prompt and honest feedback, and continuous communication regarding the process. Also the ease of getting documentation signed and returned. Thanks to you and your team. Jane
Reply from Phebe Ellis-Roach
February 24th, 2025 10:25 PM
It's wonderful to hear such positive feedback, Jane! It's always our goal at Thrive to provide prompt and honest communication to make the process as seamless as possible for our clients. I'm thrilled that you found the documentation process...
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It was a great experience just being able an given the chance to experience becoming a home buyer
Reply from Phebe Ellis-Roach
February 24th, 2025 10:25 PM
Thank you for the fantastic review, Daniel! I'm really pleased to hear that you had a great experience with your home buying process at Thrive. That's exactly the atmosphere we strive to provide. Your positive feedback truly makes my day. I...
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Phebe is absolutely the best in the business! Outstanding communication and care of every single detail from the start to the finish!
Reply from Phebe Ellis-Roach
February 24th, 2025 10:25 PM
Hi Judi, I'm so honored to hear your kind words and glowing review! I always strive to deliver the best service, so it's satisfying to know that you had such a positive experience. Your satisfaction is my top priority, and I'm glad I could...
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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