Thomas C. Phillips II

Loan Officer
NMLS ID #159695

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Licensed In

Maryland, Virginia, Washington D.C.


My name is Thomas C. Phillips II. I was born in Louisville Kentucky and I grew up in Silver Spring, Maryland. I graduated from Towson State University in 1997 just before they dropped “State” from the school name. Go Tigers! After graduating with a Bachelor of Science degree in Mass Communications, I worked in TV news for 2 years before deciding to go into sales. I sold big screen TV’s, life/health insurance, gym memberships, and more. Finally, in 2004 I discovered the wonderful world of mortgage financing. That was it for me. Aside from God and family, there is nothing more satisfying for me than helping my clients to achieve the American dream of homeownership by helping them to obtain the best loan possible for their situation.

I am very happily married to my wife Jobita and we live in Hanover, Maryland with our two cats, Milky Way and Sugar Foots. In my free time I enjoy trying out various international foods like Thai, Ethiopian, Indian, Caribbean, Latin American, Mediterranean, and more. Aside from feeding my “foodie” habit, I also enjoy traveling, watching documentaries, exercising, and bible study.

When it comes to providing a mortgage for your home, my goal is to identify your needs and offer a mortgage solution that meets your specific requirements with a seamless, transparent, and stress-free process. I will work hard to provide you with a variety of options specific to your situation. I always tell my clients that finding a good loan officer is like finding a good mechanic to fix your car. Some may want to overcharge you and sell you things that you really don’t need. That’s not the way I do business. Once you find a person that you trust will consider your homeownership goals, you should stick with that person. My goal is to earn your business by earning your trust. I want to be your loan officer for life. I will help you to buy a house and I will also help you to refinance down the road if the situation arises. I am presently licensed to originate loans in Maryland, Virginia and Washington, D.C.

Why Hire Me:

I am committed to providing excellent customer service. Loan officers at some of the mega banks work on 20-30 loans per month. I typically work with 5-10 clients per month; therefore, I have more time to give your loan the focus and attention that you deserve. If you are a first-time home buyer I will simplify everything and hold your hand throughout the entire process. First Heritage offers countless mortgage programs. I am always learning about new programs and guidelines to help customers with unique mortgage needs, and have experience with conventional, jumbo, FHA, VA, and USDA home loans.

First Heritage does everything in house. We are not a broker. This means from start to finish we process, underwrite and close your loan. First Heritage offers competitive rates as well as a transparent processing and underwriting platform.

I am truly passionate about my profession, and this is illustrated by my referrals from satisfied clients, trusted financial advisors and experienced real estate agents. I know that if I do a good loan for you, you will tell all of your friends and family to work with me. I am also aware that if I do a bad loan for you, you’ll tell twice as many people not to do business with me. So, your satisfaction is my mission. We focus on agent and homebuyer satisfaction with every loan.

If you are looking for a stable and reliable company to place your loan with or just a hardworking person to help you find loan options for your unique circumstances, reach out to Thomas C. Phillips II of First Heritage Mortgage!

Thanks for the opportunity!