Mortgage Broker / Consultant
Serving: CO, WY
NMLS: 669081
Mobile: 970-690-9047
eFax:
Email: pbrantley@excelfg.com
It is impossible for me to put into words the amount of extreme gratitude we have for Phil. We had no idea what was happening with our mortgage and escrow accounts. Everything just kept going up and up and up. Phil was able to figure everything out and get us set up with a lower payment and properly funded escrow account. Woohoo! He consistently communicated throughout the process. Answered all our questions, even with a screaming baby in the background. Explained everything so we could fully understand. And he has a great sense of humor. We look forward to continuing our relationship and will not use anyone else for our mortgage and home purchasing needs. Thank you!! – Kyle
I have worked with Phil and his group three times now and every time has been a great experience. Very knowledgeable and very helpful through the process. – Erin
Great and quick process. Lots of communication and patience… especially because I most likely seemed like a child wondering into a middle of a movie. Thanks for everything Doug and Phil! – Dennis
Phil was an awesome guy to work with super easy going super knowledgeable if I had any questions, he was there to help immediately best lender around.- Anonymous
Phil is WONDERFUL to work with!! He’s extremely knowledgeable and explains things in a way that’s easy to understand. He is great at presenting all your options and can get “creative” to find solutions that work for you. He’s happy to meet with you at his office, at your home, or any mutually acceptable locations making it very easy to schedule appts. – jraney76 From Loveland, CO.
Phillip was so amazing and gave me a lot of information in a way that really made sense. I felt so confident in the home buying process I convinced someone else to buy also and passed along what I learned to help them navigate. Now they too own a home! I had an amazing team on my home purchase journey, and I would recommend them to everyone. – Udele
Phillip Brantley is a knowledgeable and solutions-oriented Loan Officer specializing in conventional, FHA, and VA home financing, with a strong focus on helping first-time homebuyers navigate the lending process with clarity and confidence. He brings particular expertise in down payment assistance programs and layered financing structures, guiding borrowers through options that make homeownership accessible while remaining fully compliant with agency and investor guidelines.
Phillip is experienced in structuring complex loan scenarios involving nuanced income calculations, non-standard documentation, condo and HOA considerations, and regulatory timing requirements. His deep working knowledge of Fannie Mae and Freddie Mac guidelines allows him to anticipate underwriting challenges early, resolve issues proactively, and keep transactions moving smoothly.
Clients and referral partners value Phillip for his precision, transparency, and ability to translate complex lending rules into straightforward, actionable guidance. His approach balances advocacy for the borrower with disciplined risk management, ensuring loans are both approvable and sustainable.