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Loan Consultants

Hello, my name is Joseph Phillips and I’m a licensed Loan Originator with Caliber Home Loans. I began working in the mortgage industry back in 2002. I’m committed to providing ideal finance options to homebuyers and homeowners in the Southern California area. Integrity is the cornerstone of my business. I believe in building lifelong relationships with my clients. What sets me apart from the competition is my core belief that customer service is the number one priority, and my philosophy is to listen to each customer’s needs and respond to those needs efficiently and effectively. I also believe that honesty is the key to building strong and lasting relationships with borrowers and business partners alike. I graduated from UC Irvine with a degree in Economics and have lived in the Orange County area for over 40 years. I look forward to working with you!
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$
$
%
$
years
%
$
/ year
%
$
/ year

Private Mortgage Insurance typically costs between 0.5% to 1% of the entire loan amount over 80% LTV on an annual basis.

$
/ year

Your Monthly Payment

$1,512.46

Your Payment

Monthly Principal & Interests : $1145.80

Monthly Real Estate Taxes : $316.67

Monthly Insurance : $66.67

Monthly PMI : $0.00

Total Monthly Payments : $1529.13

Additional Information

Loan To Value Ratio : 80.00%

Months With PMI : 0 months

Educational Block

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What to expect

when refinancing.

Refinancing your existing mortgage may be easier than you think.

Learn More >>
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What is the process

for buying a home?

Caliber Home Loans, Inc. ("Caliber") has streamlined the process for you!

Learn More >>
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Smaller down-payment

program options.

Do you have questions about lower down-payment options?

Learn More >>

Loan Consultants

Let’s start this
journey together!

Apply Now
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