?Theresa Phillips has been involved in the Bay Area real estate market for more than 25 years,first as an investor, then as a processor, and now as a loan consultant. Her meticulous attention to detail helps her clients move through the home financing process comfortable in the knowledge that their transaction is being taken care of by a true professional.Theresa approaches all of her clients – first time home buyers and seasoned investors alike – first as a consultant. She listens carefully to their goals, aspirations and concerns. Then she gets to work at structuring a transaction that satisfies those goals and concerns in the best way possible. Her clients appreciate this and have rewarded her by sending their family and friends to her, thus allowing Theresa to build her business almost solely on referral.“I look at every client and every transaction as a chance to exceed expectation. The current climate in the mortgage industry can make getting a loan a difficult process. I work hard to keep my clients insulated from as much stress as possible, and create a positive, successful outcome. I never lose sight of the fact that people are buying, financing or refinancing their home.” – Theresa PhillipsTheresa has lived in the Bay Area since 1988 with her husband and five children. When she’s not working, you can find her spending as much time outdoors as possible, snow and water skiing, bicycling, hiking and camping with her family. Although she was an avid skydiver and rock climber in the past, she prefers to keep her feet on the ground these days (or on top of the water as the case may be!).Call Theresa to see how she can help you with your American Dream.