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What Can We Help You Find?

Finance your home with California Bank & Trust.

No matter what stage of life you’re in, we have a home financing option for you[cite::56::cite].

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Residential Mortgage
Personal Banking > Mortgages > Find a Mortgage Loan Officer >

Michael Philips

This isn't a simple financial transaction — it's a relationship built on trust

From conventional loans to FHAs, jumbo financing and specific requirements for second homes or investment properties, finding the right mortgage or refinancing opportunity can get very complicated, very quickly.

I'm here to help. As an experienced mortgage loan officer, I've helped hundreds of clients find the best-fit financing option for their needs. From rates to terms to clauses and conditions, I'm no stranger to the complexity of mortgage documents and their impact on homebuyer stress—what starts as an exciting new chapter can quickly get bogged down by process and paperwork.

Let me do the heavy lifting. We'll start with customizable, personalized loan options designed to meet your specific needs. From negotiating a low rate to get you into your first home to navigating the benefits and potential pitfalls of an investment property. I'm here to help with the details—start to finish—to help you find your best-fit financing solution.

Products and Services I specialize in:

  • Conventional, FHA & VA Loans
  • Fixed and Adjustable Rates
  • Jumbo loans up to $5,000,000+
  • Variety of Terms
  • Primary or secondary residence financing
  • Investment Property financing
  • Low down payment options
  • Luxury home/condominium financing

Michael Philips

Michael Philips

AVP, Mortgage Lender
Office: (760) 471-3045  
Mobile: (760) 212-4486
Email: Michael.Philips@calbt.com
NMLS# 1031102

 

Coverage area: Private Wealth San Diego
Languages spoken: English

Apply Now

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