Phil Forbes
SVP of Mortgage Lending

Since starting in the real estate business immediately following college, Phil has developed a primary purpose: helping people build wealth through real estate. He believes that the home financing journey should be easy, transparent, and grounded in service. This customer first approach has paid off – more than 95% of his customers say they would refer him to a friend. After 25+ years in the business, becoming a Senior Vice President, earning President’s Club, and soaring to one of the top 1% of loan originators in the country, Phil’s ultimate goal still hasn’t changed.

Phil drives the mortgage business with his dedicated team on deck. His team focuses on educating their customers, so they can make the best decision for their long-term financial wellbeing. Phil leads his team with a customer-first approach. Financing a home is a huge decision, so every aspect of The Phil Forbes Team lending experience is catered to the customer’s personal needs. He services a wide range of loan needs, from pre-approvals for first time home buyers to jumbo purchases and refinances. Though the majority of his loans are centered in Cincinnati, Phil is licensed in 17 states, and serves customers all across the country.

Phil has lived in Cincinnati since moving here for college in the late eighties. He believes in the power of real estate as a wealth building tool even for himself – he actively invests in both “flips” as well as long term rentals. He is active within his community, and is a leader in the local boy scout troop. He also enjoys hiking and kayaking. His favorite adventure partners are his wife of 25 years, Robyn, and his adult children, Sarah and Philip.

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This is NOT a mortgage loan approval or commitment to lend. The actual fees, costs, and monthly payment on your specific loan transaction may vary, and may include city, county, or other additional fees and costs. Mortgage rates are offered exclusively through Guaranteed Rate and are subject to change without notice. If the down payment is less than 20%, mortgage insurance may be required and could increase the monthly payment and APR. The payment amount does not include homeowners' insurance, flood insurance (if applicable), or property taxes that must be paid in addition to your loan payment. The displayed Annual Percentage Rate (APR) is a measure of the cost to borrow money expressed as a yearly percentage. For mortgage loans, excluding home equity lines of credit, it includes the interest rate plus other charges or fees (such as mortgage insurance, discount points, and origination charges). For home equity lines, the APR simply reflects the interest rate. When shopping for a mortgage, you can use the APR to compare the costs of similar loans between lenders. One discount points equals one percent of your loan amount. Some jumbo loan options may not be available to first\-time home buyers. We based the mortgage interest rates shown on a 30\-day rate lock period. Under certain circumstances, a 30\-day rate lock may not be available. When you apply, you can choose to lock or float your interest rate range. Mortgage rates and loan options displayed depend on a number of variables, including the accuracy of the information you have entered, which is subject to verification, credit and property approval. These mortgage rates are based upon a variety of assumptions and conditions, which include a consumer credit score that may be higher or lower than your individual credit score. Your loan's interest rate will depend upon the specific characteristics of your loan transaction and your credit history up to the time of closing. VA If you meet the eligibility requirements of the VA program, gifts or grants may be used for down payments. Up to 100% financing may be available for qualified borrowers. Most VA loans require the borrower to pay a 'funding fee'. This fee may be paid out of pocket or financed into the loan amount. At the direction of the United States Congress and the Department of Veterans Affairs VA Funding Fees may increase or decrease without notice. Guaranteed Rate, Inc. is a private corporation organized under the laws of the State of Delaware. It has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the US Department of Agriculture, or any other government agency. Adjustable Rate Mortgage (ARMs) Interest rates and payments may increase after consummation. After the initial fixed period, your interest rate may change periodically according to the market index. Any change may significantly impact your monthly payment. Since the index in the future is unknown, the First Adjusted Rate and Payments displayed are based on the current index plus the margin (fully indexed rate) at time of scenario/disclosure. Before choosing an ARM, you should decide if you can manage the maximum estimated payment if the rate increases. To fully understand minimum and maximum payments, please speak to a mortgage loan expert.