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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First - my rating of my experience was and is not based upon Phebe and her team. The issues that I had were with the lender and the amount of hoops that had to be jumped through to secure this loan.Maybe it is just poor education on the understandings...
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Reply from Phebe Ellis-Roach
September 16th, 2025 02:27 PM
Jack, I appreciate you taking the time to provide your detailed feedback. It's clear that the process was challenging, and I understand how frustrating it can be dealing with the additional requirements and documentation asked by the lender....
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The mobile app and online platform was very convenient and steam lined the process for us.
All questions we had about uplaoding documents or items requested during the loan approval process were answered promptly.
Reply from Phebe Ellis-Roach
September 16th, 2025 02:27 PM
I appreciate your feedback, Jared. It's great to know that you found the mobile app and online platform convenient and helpful. I'm also glad to hear that your questions regarding document uploads were answered quickly. Ensuring a smooth process...
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Communication and being able to meet the challenges that came with the sellers.
Reply from Phebe Ellis-Roach
August 26th, 2025 11:24 PM
Ivy, thank you for your review. I'm glad to hear that the communication and ability to navigate challenges with the sellers were part of your positive experience. Keeping things smooth and clear is always my aim, especially when unexpected...
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Phebe is extremely knowledgeable about a wide variety of loan programs and consistently goes above and beyond to keep everyone on track with what is needed and when. She is prompt, professional, and courteous in all communication, making the...
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Reply from Phebe Ellis-Roach
August 26th, 2025 11:25 PM
Charla, thank you for your wonderful feedback. I'm honored to have been your go-to mortgage loan officer through multiple home purchases. Knowing that my knowledge of loan programs and commitment to keeping things on track contributed to a...
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Phebe's was great to call us back every time we called with questions. She is a great person.
Reply from Phebe Ellis-Roach
August 26th, 2025 11:26 PM
Charles, thank you for your kind words. I’m really glad to hear that you appreciated my responsiveness and efforts to address your questions. Being available to support you during the process is important to me.
Phebe was very helpful!
Reply from Phebe Ellis-Roach
August 25th, 2025 04:29 PM
Hey Bill, thank you for your feedback. I'm glad to hear I could be of help throughout your experience. If there's anything more you need or any questions arise down the line, don't hesitate to get in touch. I'm here to assist whenever you need...
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Outstanding communication throughout the mortgage loan process!
Reply from Phebe Ellis-Roach
August 2nd, 2025 09:53 PM
Randy, thank you for highlighting the communication aspect during your mortgage loan process. I believe that staying in touch is key to a smooth experience, so it’s wonderful to know it made a positive impact for you. Should you need anything...
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Phebe Ellis-Roach has received a review with 5 star rating from K B
Reply from Owner
January 9th, 2026 10:28 AM
Thank you Zack for the 5-star review! Best wishes to you in your new home!
Phoebe always took my calls and returned my messages. Very prompt!
Reply from Phebe Ellis-Roach
July 22nd, 2025 12:04 AM
Thank you, Kristi, for your kind words. I'm glad to hear that my promptness in returning messages and taking calls was helpful to you. It's important to me to be available and responsive throughout the process. If you have any further questions...
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Phebe was quick to answer questions and ensured our loan went through to keep our closing on time. She communicated proactively on where we were at in the loan approval process.
Reply from Phebe Ellis-Roach
July 14th, 2025 07:30 PM
Thank you, Megan, for your feedback. I'm pleased to know that my proactive communication and timely responses were helpful during your loan process. Ensuring everything moved smoothly towards your closing is always a priority for me. If you...
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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