Unlock your homeownership dreams with Josh Phillips! As a seasoned loan officer, Josh navigates first-time homebuyers and existing homeowners through the mortgage process with ease. He offers a comprehensive suite of loan programs, including Conventional, FHA, VA, USDA, and down payment assistance options, tailoring solutions to your unique financial situation. Whether you're purchasing your first home or exploring refinance opportunities, Josh provides expert guidance and personalized service. Contact Josh at 256-338-2920 to explore your mortgage options and take the first step toward your real estate goals. Josh Phillips NMLS #338177 Gateway Mortgage NMLS #7233.