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 incredibly easy to work with! Her years of experience and deep understanding of the mortgage loan process make her an excellent guide for anyone seeking a home loan. She’s friendly, hardworking, and genuinely cares about her clients—qualities...
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Reply from Phebe Ellis-Roach
November 7th, 2025 07:10 PM
Jerrell, I appreciate your kind words about my approach to guiding clients through the mortgage loan process. It's wonderful to know that my experience and dedication helped make your home loan journey smoother and more comfortable. Creating...
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Phebe and her team were extremely pleasant to work with! They helped to provide very clear instructions on the things that were needed for the home loan and were always very fast with their responses and communications! I will highly recommend...
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Reply from Phebe Ellis-Roach
October 29th, 2025 06:00 PM
Brandan, I appreciate your positive feedback. I'm glad to hear that the clear instructions and prompt communication made the home loan process pleasant for you. It's great to know you're willing to recommend my services to others. If there's...
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Communication and the App
Reply from Phebe Ellis-Roach
October 28th, 2025 09:50 PM
Ramsey, I appreciate your concise feedback about communication and the app. It’s great to hear that these elements stood out during your experience with RWM Home Loans. If you have any specific insights or further thoughts you'd like to share,...
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Phebe and her team were so easy to work with! She communicated with us every step of the way and made the whole process easy to understand! We are so grateful to her for helping us and will definitely recommend her
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Reply from Phebe Ellis-Roach
October 17th, 2025 02:22 PM
I'm really grateful for your kind words, Lauren. Making the process easy to understand and keeping you informed every step of the way is something I prioritize. I'm glad that you felt supported throughout your experience with me and my team...
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I like working with good honest people that do what they say they're going to do and go out of their way to help.
Reply from Phebe Ellis-Roach
October 11th, 2025 04:21 PM
Your feedback is much appreciated, Lee. It’s important to me to stay true to my word and assist wherever possible. Knowing that this approach resonates with you means a lot. If you need anything else or have further questions, please feel free...
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Very caring and understanding due to my previous marital issues and divorce proceedings
Reply from Phebe Ellis-Roach
October 3rd, 2025 09:58 PM
I'm grateful for your kind words, Susan. Supporting you through a challenging time and guiding you in the loan process was important to me. If there's anything more you need or any questions you have, please don't hesitate to reach out. Thank...
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Phebe and team provided excellent guidance with our lending proces.
Reply from Phebe Ellis-Roach
September 30th, 2025 07:12 PM
Joseph, I'm glad to hear that you found the guidance provided during your lending process to be excellent. I aim to make the journey as clear and straightforward as possible. If there's anything more you'd like assistance with or if you have...
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phebe is the best
Reply from Phebe Ellis-Roach
September 25th, 2025 02:40 PM
I appreciate your kind words, Kinsey. I'm grateful for the opportunity to assist you, and it means a lot to hear that you've had a positive experience. If there's ever anything more I can do for you, please don't hesitate to let me know.
Phebe worked hard to make sure our loan was solid! She communicated with us every step of the way.
Reply from Phebe Ellis-Roach
September 24th, 2025 04:41 PM
I'm grateful for your feedback, Victoria. Knowing that my effort to ensure your loan was solid and that consistent communication was valuable to you means a lot. It’s important to keep clients informed every step of the way, and I’m glad this...
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I was continually helped in this process when I had questions or needed additional understanding. Phebe, Michelle and team explained, were kind and helpful throughout. Concerns were addresses immediately and I this long process was made pleasant...
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Reply from Phebe Ellis-Roach
September 18th, 2025 08:37 PM
I'm grateful for your feedback, Ingrid. It's great to hear that you felt supported throughout the process and that Michelle, the team, and I could provide clear explanations and assistance whenever needed. Addressing concerns promptly and ensuring...
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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