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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You were so communicative throughout the entire process and there was never once a delay. I am in the middle of two separate deals with our of state lenders that have both delayed closing twice now due to not proactively working the file until...
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Reply from Phebe Ellis-Roach
February 24th, 2025 10:25 PM
Hello Justin, Thank you so much for the stellar rating and the wonderful feedback. It gives me immense satisfaction to know that my efforts to ensure smooth and efficient processes for my clients are appreciated.The experience you mentioned...
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I can’t say enough good things about Phebe and her team! I am a self employed business owner, which makes the financial aspect of the home buying process extremely tedious. Phebe was there every step of the way to help me, guide me, and take...
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Reply from Phebe Ellis-Roach
February 24th, 2025 10:25 PM
Hi Kirk, Wow, thank you for this amazing review! I'm so thrilled to hear that you had a positive experience with us. We are always happy to work with self-employed business owners, I understand how tedious the financial aspects of home buying...
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Amazing! I am very thankful for the knowledge and help that Thrive provides.
Reply from Phebe Ellis-Roach
June 18th, 2024 09:15 PM
I'm so glad to hear that you found our services helpful, Whitney! Your satisfaction is our highest priority at Thrive Mortgage. It was a pleasure to share my knowledge with you and assist in your journey. Thank you for your wonderful review...
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Phebe Ellis-Roach has received a review with 5 star rating from Jessica C
Reply from Phebe Ellis-Roach
June 12th, 2024 12:46 PM
Thank you, Jessica, for the wonderful 5-star rating! I'm delighted to hear that you're pleased with the service you received from me at Thrive Mortgage. Your feedback incredibly appreciated and will encourage me to maintain the high standard...
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Amazing team made a stressful process easy and care free
Reply from Phebe Ellis-Roach
June 12th, 2024 12:45 PM
I'm so glad to hear that our team at Thrive Mortgage could make your process easy and stress-free, Aaron! Your positive review means a lot to us. We strive to keep our standards high and ensure our clients have the best possible experience....
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the help we got was great
Reply from Phebe Ellis-Roach
June 12th, 2024 12:46 PM
I'm thrilled to hear that you found our service helpful, Floyd. Your positive experience is really important to us at Thrive Mortgage. If you ever need anything else, don't hesitate to reach out. Thank you for the 5-star rating, it is greatly...
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This was my first time buying a home and I did not know what many parts of the process entailed. I felt like it was constantly assumed that I knew what my next steps would be and when I would text or email I generally got a very short response...
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Reply from Phebe Ellis-Roach
February 24th, 2025 10:25 PM
Thank you, Austin, for taking the time to leave a review and sharing your experience. I apologize if you felt unsupported throughout the process. As a first-time home buyer, it's important to feel guided and informed, and I'm sorry if you felt...
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Hailey is so quick to respond and explain everything thoroughly! No question is ever too small! I have never received a complaint from my clients, and I sure don’t have any complaints as a agent! She’s the best. 🥰
Reply from Phebe Ellis-Roach
July 7th, 2024 02:55 PM
Thank you so much, Jessica, for your kind words and 5-star rating about Hailey. It's great to hear that you're satisfied with Hailey and her team. We try to make the mortgage process as smooth and simple as possible, and I'm pleased to hear...
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Phebe Ellis-Roach has received a review with 5 star rating from Shaun C
Reply from Phebe Ellis-Roach
June 12th, 2024 12:47 PM
I'm so pleased to hear that you had a positive experience with us at Thrive Mortgage, Shaun. Your 5-star rating is greatly appreciated and it was a pleasure to work with you. Your satisfaction is our priority and we look forward to serving...
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Phebe Ellis-Roach has received a review with 5 star rating from Ronke S
Reply from Phebe Ellis-Roach
June 12th, 2024 12:47 PM
I'm absolutely thrilled to hear that you had a positive experience with me at Thrive Mortgage, Ronke! Your 5-star rating is greatly appreciated. It's always wonderful to know that my efforts to provide the best service are recognized and valued....
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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