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Tom Phillips

Phillips & Associates Realty
San Antonio, TX 78257

210-571-0330
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Blog

WHAT’S A FICO®?

What is a FICO® Score? FICO® stands for Fair Isaac & Company and is the name for the most well known credit scoring system, used by Experian. The credit bureau’s computer evaluates a complete credit profile and assigns a score, which is... Read more

Types of Mortgage Lenders

Mortgage Bankers Mortgage Bankers are lenders that are large enough to originate loans and create pools of loans, which are then sold directly to Fannie Mae, Freddie Mac, Ginnie Mae, jumbo loan investors, and others. Any company that does this is conside... Read more

Land Contract

An alternative to a non-conforming loan is the use of a land contract, which is allowed in some states. A land contract is an agreement between a buyer and a seller, where the buyer agrees to make periodic payments to the seller. The title to the property... Read more

FICO® Scores and Your Mortgage

Years ago, credit scoring had little to do with mortgage lending. When reviewing the credit worthiness of a borrower, an underwriter would make a subjective decision based on past payment history. Then things changed. Lenders studied the relationship be... Read more

Phillips & Associates Realty
8 Dominion Drive Suite 110
San Antonio, TX 78257
Phone: 210-789-8163
Email: Phillipsrealty@outlook.com

Testimonials

Thanks, Michelle!  Being part of the Phillips real estate family has been a great experience.  This experience started when I received the call from you.  You called within minutes after I completed talking with Homelight.  You were very professional yet approachable and energetic but not pushy!  We found the same qualities in Jordan.  We have really enjoyed working with him.

Thank for all your help.  If we hear of anyone moving to the Austin/San Antonio area, we will highly recommend Phillips!

Have a great day ...

Margo & Mary
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