

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 is very caring 😍
Reply from Phebe Ellis-Roach
February 24th, 2025 10:25 PM
Thank you for your kind words, Sumer. I strive to put care and understanding at the forefront of my work with Thrive Mortgage, and it means the world to me that this resonated with you. Your positive feedback fuels my dedication. Thank you...
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Phebe went above and beyond the call of duty. She is absolutely the best loan officer in Lubbock. Phebe made the buying experience so easy and fun for my 1st time buyer. Her knowledge exceeds all loan officers by far! Can’t wait to do another...
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Reply from Phebe Ellis-Roach
February 24th, 2025 10:25 PM
Thank you so much, Judi, for such a glowing review! It was a pleasure to assist you and your first home buyer. I'm thrilled to hear how easy and fun you found the process. Your satisfaction is my top priority, so it's wonderful to know that...
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phebe made buying my first home so easy!! she was so sweet and on top of things!! she made sure everything was always done!! i’m so grateful for her! 🩷
Reply from Phebe Ellis-Roach
February 24th, 2025 10:25 PM
I'm absolutely delighted to hear that you had such a positive experience with your first home purchase, Maddison! It was my pleasure to assist you and ensure everything went smoothly. Your kind words truly mean a lot to me and all of us here...
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Phebe Ellis-Roach has received a review with 5 star rating from Jerry B
Reply from Phebe Ellis-Roach
February 24th, 2025 10:25 PM
Thank you, Jerry, for the fantastic rating of 5 stars. I'm delighted to know that you had a positive experience with Thrive Mortgage. I have enjoyed working with you over the years. Please feel free to reach out if you ever have any further...
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For 30 plus years Phebe has help me and my family with home loans. She always get's it done.
Reply from Phebe Ellis-Roach
February 24th, 2025 10:25 PM
Thank you, Jerry, for your 5-star review. It has been a privilege to assist you and your family with your home loans for over 30 years. I'm glad to know that I've been able to meet your expectations and help you achieve your financial goals....
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Phebe is the ultimate professional. She was able to make sense of a new program and explain it clearly. She was available to us just about 24/7 and with our crazy hours she was gracious enough to answer the phone. We would not do business with...
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Reply from Phebe Ellis-Roach
February 24th, 2025 10:25 PM
Thank you so much for your kind words, Linda. I feel immensely grateful to have had the opportunity to work with you and Jerry. The fact that I could assist and make the process smoother for you during your challenging build, brings me a lot...
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Phebe Ellis-Roach has received a review with 5 star rating from Lanie K
Reply from Phebe Ellis-Roach
February 24th, 2025 10:25 PM
Thank you Lanie for your 5 star review. My team and I enjoyed working with you. Thank you for choosing Thrive to help you with your home loan needs. We hope you enjoy your new home.
They were super sweet and helpful and always got back to me and it was just nice
Reply from Phebe Ellis-Roach
February 24th, 2025 10:25 PM
Thank you so much for your kind words, LANIE. I'm thrilled to hear that you had such a positive experience working with me at Thrive Mortgage. It was a pleasure serving you and I aim to make every interaction just as supportive and efficient....
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Kept having to push our closing date back. Asked us for everything but a blood sample. This is the 5th house I have purchased with FHA loans and I have NEVER had that much trouble before. Ever. Will never use or promote Thrive Mortgage.
Reply from Phebe Ellis-Roach
February 24th, 2025 10:25 PM
I'm genuinely sorry to hear about your frustrations, Allison. It's always my personal goal to provide exceptional service, and it appears I fell short during your process. I assure you that your experience does not reflect our standard of service....
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everything went smoothly with Thrive!
Reply from Phebe Ellis-Roach
February 24th, 2025 10:25 PM
I'm so glad to hear that your experience with Thrive Mortgage went smoothly, Kyla! It's always a pleasure to provide dedicated service and seeing such a great rating of 4.83 out of 5 Stars truly means a lot. Don't hesitate to reach out for...
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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