An extraordinary mortgage broker for everyday lives.
Phillip is a problem solver. For many clients, his role is simply to make it easier to get a well-structured mortgage. For others, his involvement makes the critical difference. Phillip is renowned for his service and high success rates: he’s been the top rated broker on Yelp since 2007, and one of the top producers in his field since 2010. That success can be attributed to a willingness to do more than expected. People are often rejected for a loan from the big banks simply because they don’t meet the rigid banking criteria. That’s where Phillip steps in with a range of approaches: presenting your situation in the best light, exploring other types of lending or helping you prepare for another application in the future. If the best solution is to go to family for support, Phillip can help you structure that conversation. He can even act as a disinterested third party, to facilitate understanding.
Understanding from personal experience.
Phillip’s experience of buying property in San Francisco helped him define what a mortgage broker ought to be. The mortgage broker he used rarely got in touch or tried to help him understand the process in more depth. Phillip knew he could do better – since then he’s been operating his business with a passion for communication and educating clients.
Can Phillip help you?
- First-time property buyers throughout California
- Families going through life changing events in need of a mortgage
- You’ve had no luck getting a mortgage from a big bank If you would like to make it easier to get a mortgage – especially if you don’t fit in the bank’s ‘instant approval’ box – give Phillip Cannon a call.
See my video
Recent reviews
Loading Rates...
Today's rates
| Loan type | Rate | APR | Discount points ($) | Mo. payment |
|---|
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, Inc. and are subject to change without notice. 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).
Product Assumptions:
Conforming: Sample monthly payments for conforming loan products are based on a purchase price of $437,500, and a down payment of 20.00%. Advertised rates and APRs are subject to change without notice. Above scenarios assume a first lien position, 750 FICO score, 30 day rate lock on a primary residence.
Jumbo: Sample monthly payments for jumbo loan products based on a purchase price of $1,200,000, and a down payment of 25.00%. Advertised rates and APRs are subject to change without notice. Above scenario assumes a first lien position, 760 FICO score, 25 day rate lock on a primary residence.
FHA: Sample monthly payments are based on a purchase price of $310,880, and a down payment of 3.50%. Advertised rates and APRs are subject to change without notice. Above scenario assumes a first lien position, 680 FICO score, 30 day rate lock on a primary residence.
VA: Sample monthly payments are based on a purchase price of $400,000, and a down payment of 0.00%. Advertised rates and APRs are subject to change without notice. Sample does not include VA funding fee (max VA funding fee of 3.3%). Above scenario assumes a first lien position, 680 FICO score, 30 day rate lock on a primary residence. Must be an eligible veteran. Subject to underwriting guidelines and applicant's credit profile.
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.
One discount points equals one percent of your loan amount.
Guaranteed Rate, Inc. 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.