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 have known Phebe for 30 yrs and she is always had the interest of her clients in mind Not sure I will buy a home again but will would use Phebe anytime
Reply from Phebe Ellis-Roach
February 6th, 2026 09:03 PM
Steven, it's wonderful to hear such kind words from someone I've known for so long. Thank you for recognizing my commitment to my clients' interests over the years. Whether or not you decide to buy a home again, I appreciate your continued...
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Working with Phebe was great. She helped me finance a unique property we were having a hard time financing elsewhere and navigated all of the roadblocks with grace. I would recommend her to anyone.
Reply from Phebe Ellis-Roach
February 4th, 2026 10:53 PM
I'm grateful for your kind words, Yesenia. I'm glad I could assist you in financing your unique property and help overcome the challenges that came up along the way. Your recommendation means a lot to me. If you ever have any more questions...
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I've used Phoebe for every house I've purchased! She's amazing and I've always been completely satisfied!!
Reply from Phebe Ellis-Roach
December 28th, 2025 02:31 PM
It's great to hear that you've chosen me for every home purchase, Dwayne. I'm delighted to know you've been completely satisfied with the service. Your continued trust means a lot, and I look forward to assisting you with any future needs....
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Very friendly staff, kept me informed during the process!
Reply from Phebe Ellis-Roach
December 23rd, 2025 10:24 PM
Thank you for sharing your experience, Marcus. I'm pleased that you found the staff friendly and appreciated being kept informed throughout the process. Communication is important to me, so it’s great to hear it was beneficial for you. If there’s...
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Phebe made the whole process very easy and helped us with everything we needed!
Reply from Phebe Ellis-Roach
December 8th, 2025 10:09 PM
I'm glad to know that the process felt easy and accommodating for you, Koy. It's always my goal to provide the assistance needed to make things as smooth as possible. If any other questions come up or you need additional support, I'm here to...
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Flawless start to finish!
Reply from Phebe Ellis-Roach
December 4th, 2025 07:43 PM
Miranda, I appreciate your kind words. I'm glad the process met your expectations from start to finish. Ensuring a seamless experience is important to me. If you have any further questions or need additional assistance, please feel free to...
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Excellent advice and outstanding communcation!
Reply from Phebe Ellis-Roach
December 3rd, 2025 07:23 PM
Shelley, I appreciate your review and am glad to hear that my advice and communication met your expectations. It's important to me to provide clarity and support throughout the loan process. If you have any further questions or need assistance...
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Phebe worked tirelessly with great communication throughout. We highly recommend RWM and Phebe for all mortgage needs.
Reply from Phebe Ellis-Roach
November 24th, 2025 10:16 PM
Gregory, I appreciate your thoughtful comments and recommendation. It was a pleasure working with you and ensuring the mortgage process was well communicated. If there's anything more I can assist you with in the future, please don't hesitate...
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Phebe came recommended by a family member in the banking industry. Her excellent reputation is well earned! She is knowledgeable and deligent about best practice.
Reply from Phebe Ellis-Roach
November 24th, 2025 10:17 PM
Collins, I'm grateful to hear such positive feedback from you. Recommendations from family members in the banking industry mean a lot, and I'm glad to have lived up to that trust. I strive to stay knowledgeable and diligent to ensure things...
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Easy to work with and knowledgeable.
Reply from Phebe Ellis-Roach
November 14th, 2025 07:21 PM
I appreciate your review, Cynthia. It's great to hear that you found the process easy and that my knowledge was helpful to you. I'm committed to making every step as straightforward as possible for my clients. If there are any other questions...
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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