Why borrowers stay calm with Phillip

Phillip Foust helps borrowers navigate the mortgage process with clarity and calm. With two years of experience originating loans across five states, he works with first-time buyers, growing families, and anyone who wants a lender that answers questions in plain English. Phillip takes the time to explain what matters: how much home you can afford, what your monthly payment will be, and which loan type saves you the most money. Phillip is licensed in DC, Maryland, Virginia, North Carolina, and Texas, giving him a wide lens on regional programs and lending options. He shops CMS Mortgage's 50+ lender network to find the best rate and structure for each scenario, whether you're putting 3% down on a townhome in Silver Spring or buying a single-family in Raleigh with a conventional loan. Since joining CMS Mortgage, Phillip has built his practice around responsive communication and straightforward advice. When you reach out, you'll get a clear breakdown of your options, a realistic timeline, and someone who stays in touch from pre-approval to your final walkthrough.