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Phil Conzelman
Phil Conzelman
RE/MAX REAL ESTATE ONE
Tustin, CA 

714-639-4663
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Blog: Mortgage Information

Types of Mortgage Lenders

Mortgage Bankers Mortgage Bankers are lenders that are large enough to originate loans and create pools of loans, which are then sold directly to Fannie Mae, Freddie Mac, Ginnie Mae, jumbo loan investors, and others. Any company that does this is conside... Read more

Your Savings and Down Payment

Your First Step Toward Buying a Home When preparing to buy a home, the first thing many homebuyers do is look at the real estate ads in newspapers, magazines and listings on the Internet. Some potential buyers read how-to articles like this one. The next... Read more

FICO® Scores and Your Mortgage

Years ago, credit scoring had little to do with mortgage lending. When reviewing the credit worthiness of a borrower, an underwriter would make a subjective decision based on past payment history. Then things changed. Lenders studied the relationship be... Read more

Phil Conzelman, Realtor®
RE/MAX REAL ESTATE ONE

12341 Newport Ave.
Tustin, CA 92705
Phone: 714-639-4663
Email: remaxrealestate101@gmail.com
CA DRE # 01313702

Testimonials

I've been in the Real Estate investment business for the past 15 years. In 2009, I did my first Real Estate transaction with Phil Conzelman as my agent. Since that time I have completed many more transactions with Phil. My business keeps me very busy. I need an agent that I can count on to handle   all my transactions, both, buying and selling .Phil is that agent. He is trust worthy, honest, dependable and very professional.Before I partnered with Phil, I had to be involved in every step of each  transaction. Now,  I come in to sign the final papers. I trust Phil to handle all the details. I'm a professional investor and I only deal with the best professionals. gspvending
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