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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Reviews from Web
Everyone answered all of our questions and assured us when we had concerns.
Reply from Phebe Ellis-Roach
April 6th, 2026 06:56 PM
I'm glad to hear that all your questions were addressed, and you felt reassured during the process. It's important to me that you had a positive experience. If there's anything more you need or any additional questions arise, please don't hesitate...
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Staff was knowledgeable and helpful. They kept me updated.
Reply from Phebe Ellis-Roach
April 2nd, 2026 12:46 AM
Mary, I appreciate your feedback. It's important to me to ensure you feel supported and informed throughout the process. If you have any more questions or need further assistance, feel free to reach out. Thanks for allowing my team and I to...
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Very friendly
Reply from Phebe Ellis-Roach
March 23rd, 2026 11:27 PM
It's great to hear that you found the experience friendly, Jeri. Building a comfortable and supportive environment is always a priority for me. If you have any questions or need further assistance, feel free to reach out anytime. Thank you...
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Phebe goes above & beyond n every way to help us we wouldnt use anyone but her
Reply from Phebe Ellis-Roach
March 23rd, 2026 07:40 PM
I truly appreciate your kind words, Miss Pat! Knowing that my efforts to support you have been beneficial means a lot to me. It's always my goal to go above and beyond for my clients. Thank you for your trust and loyalty. Please feel free to...
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Professional and Prompt Service!!!
Reply from Phebe Ellis-Roach
March 23rd, 2026 07:40 PM
I'm glad to hear that you found the service professional and prompt, Steven. Providing timely and professional assistance is something I strive for with each client. If you have any more questions in the future, feel free to contact me. Thank...
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Phebe and her team are the best
Reply from Phebe Ellis-Roach
March 9th, 2026 05:50 PM
I appreciate your feedback, Brandon. It's great to hear that you think so highly of my team and me. If there's anything more we can do for you in the future, please let me know. Thank you for choosing RWM Home Loans!
Amaxing to work with! Communication and honestly was 10/10!
Reply from Phebe Ellis-Roach
February 25th, 2026 11:20 PM
Jennifer, I appreciate your feedback. Knowing you found the communication and honesty to be top-notch is truly meaningful. If there's anything more I can do or any questions you have, please don't hesitate to reach out. Thank you for choosing...
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Phebe and her team made the process seamless. They made me feel comfortable with my decisions and were reponsive with any questions I had. Thank ya'll!
Reply from Phebe Ellis-Roach
February 13th, 2026 07:17 PM
I appreciate your kind words, Tamara. It’s great to hear that the process felt seamless and that I could help make your decisions more comfortable. Being responsive and supportive is something I strive for. If there’s anything more you need...
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Working with Phebe was a delight she exceeded all our expectations her professionalism and efficient handling of our requirements was fantastic! I would highly recommend her! She is the best!!
Reply from Phebe Ellis-Roach
February 9th, 2026 11:46 PM
Eduard, it's great to hear that your experience was positive. I appreciate your kind words about my professionalism and how efficiently your needs were handled. Knowing that I exceeded your expectations is rewarding. Should you have any further...
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Phebe, you and your team were phenomenal to work with. House buying has always been complicated, but RWM Home Loans made the entire process pain-free and easily understood. I will definitely recommend you to friends who are looking for a home....
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Reply from Phebe Ellis-Roach
February 9th, 2026 06:51 PM
Garry, thank you so much for your thoughtful review. I'm truly pleased to hear that the process felt smooth and straightforward for you. Making home buying as understandable and stress-free as possible is what I aim for. It means a lot that...
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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