I'm Thu.
Your Local
Mortgage Professional

Whether you're buying, selling, refinancing, or building your dream home, you have a lot riding on your loan specialist. Since market conditions and mortgage programs change frequently, you need to make sure you're dealing with a top professional who is able to give you quick and accurate financial advice. I have the expertise and knowledge you need to explore the many financing options available.

Ensuring that you make the right choice for you and your family is my ultimate goal. And I am committed to providing my customers with mortgage services that exceed their expectations. I hope you'll browse my website, check out the different loan programs I have available, use my decision-making tools and calculators, and apply for a loan in just four easy steps with the short form Application.

After you've applied, I'll call you to discuss the details of your loan, or you may choose to set up an appointment with me using my online form. As always, you may contact me anytime by phone, fax or email for personalized service and expert advice.

Thu Phi

Branch Manager

NMLS# 315972

Contact Me
Thu Phi picture
1220 Augusta Drive, Suite 338
Houston, TX 77057
(713) 301-3658

Getting Started is Easy

1

Mortgage Calculators

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2

Loan Programs

Find out which loan program is right for you

3

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What Our Clients Say About Us!


Every time I have an opportunity to work with someone related to my home, it will be Thu. I have absolute and complete trust in her. She has answered every question, for every situation that I have come across whether it was buying, refinancing, or finding the right financial vehicle that I needed. She is absolutely great at keeping me informed of what is needed, why it is needed, when it is needed to get the loan done. She looks out for my interests, bc she has taken the time to understand exactly what it is that is needed. I would not hesitate to send anyone to her, ever. I know they will find the same professional and courteous personal service that I have come to know and count on! Thank you so much Thu!
This is our 2nd time using Thu in the purchase of our new home, she did so well the first go around that when we decided to start looking and found the house we wanted, We knew right where togo for the best experience. As stressful as buying new homes are, Thu does a wonderful job and makes it as easy and stress free as possible. We love our new home but if we decide to buy later on we will look no further!!
Thu Phi helped with my case through every step, she was so helpful and made everything quick and easy!
Thu and her team did an outstanding job facilitating my new home purchase. They are professional to work with and create a comfortable environment.
We worked with Thu Phi from GFS Home loans for financing mortgage for our new home and we had a great experience with them. Thu and team were extremely helpful and patient and always answered our questions no matter the time and helped us to purchase our home without delays or stress. We highly recommend Thu Phi to anyone looking for a dedicated and reliable mortgage professional. They truly care about their clients.
Thu, your kind words mean the world to us. We are incredibly grateful for everything you've done to help us achieve this dream. When others made us feel like it wasn't possible, and we even began to lose hope, you stepped in and changed everything. Having you on our side has been an absolute blessing. Your dedication and care truly shine through. Thank you for believing in us and making this possible.
I cannot recommend Thu Phi highly enough. She consistently goes above and beyond to take care of my clients-both buyers and sellers-whether they're looking to refinance or need guidance on their mortgage options. Her dedication is unmatched; in one case, she even obtained a license in another state solely to assist a client in accessing the equity from their home. Thu Phi brings not only expertise but also a deep commitment to helping clients reach their financial goals. Working with her gives me the confidence that my clients are always in the best hands.
I have had the pleasure of working with Thu Phi for the past two years, and I have been consistently impressed with her professionalism, prompt responses, and outstanding service. I highly recommend her if you're seeking financial opportunities for real estate purchases.
Thu Phi is the best in the business. The value that she brings to the city of Houston is unmeasured. If you are looking for the best in home loans, look no further than Thu.
Thu was great. She was very knowledgeable in her field. She knows exactly what was needed to make the process of getting a loan flow smoothly and was very professional and understanding. I would definitely use her service again.
She gets the loan done quick!
To tell you that I have worked with Thu longer than I have known my husband is the truth. Thu has taken care of my purchases over the past 20 years, and I always recommend her to family and friends. If you are looking to refinance or purchase- you should call Thu Phi
I have no words to explain how grateful I am and blessed to have Thu as our lender. She was always answering her phone day, night, on weekends! She always answered all of our questions and helped us every step of the way. Thu thank you so much God bless you! You have been a blessing in our lives and thank you so so much for making our dream come true to buy our house! I recommend Thu 1,0000000000,000000000000000!!!!! She is the best and also Henry!!!!!
Thu was amazing!!! Process was super easy with her
I don't know where to even begin, Thu and her team were so helpful from start to finish. She made buying a home easier than buying a car. Her knowledge of different programs and calm demeanor really made the process so seamless. I couldn't have wished for a better experience. Our family is eternally grateful.
There is no better person I could recommend to represent you when purchasing a house than Thu Phi. I have used her in multiple house purchases and she is the best when it comes to every detail in the process and the ability to explain it clearly and help you understand your journey from start to finish when purchasing a home. She actually cares about her customers and takes into consideration every possible factor that you as a buyer may have. She makes sure that everything goes smoothly that she handles the majority of things before they become an issue and meets every deadline while making sure you have every question answered. I have recommended her to friends and family and all of them have used her and I can tell you that every one of them would use her again.
Thu Phi is an absolute superstar! From the very beginning, working with Thu was a seamless and stress-free experience. She and her team are not only incredibly efficient, but also genuinely friendly and helpful every step of the way. Thu's ability to move quickly without missing a beat made the entire mortgage process so smooth, and her attention to detail gave me full confidence that everything was in the best hands. What truly sets Thu apart is her dedication to making the process easy for her clients. Whether it was answering my questions promptly, explaining everything in a way that made sense, or just offering her support, she went above and beyond at every turn. Thu's professionalism and warmth made a potentially overwhelming experience feel effortless. If you're looking for a loan officer who is not only quick and competent but also caring and approachable, Thu Phi is the person you want by your side. Highly recommend her and her amazing team!
Working with Thu Phi through the home buying journey gave me a lot of confidence. As a first time home buyer, navigating the landscape was new and often times intimidating due to the lack of experience I've had. Thu Phi took the time to explain to me the process and ensure all my questions were answered. I can't recommend her enough for anyone whether it is your first property or your 10th, she has got you covered. Not only does she make you feel welcomed but she takes the time to understand you and your goals. She truly cares about her clients from the first interaction all the way through to the finish line. Thank you Thu Phi for all the wonderful support through the home buying process and being a part of my journey to my first home!
Thu and her team made everything possible for me to close my very 1st house. She's always there to answer any questions that I had. She always checked on me to make sure I had everything I needed. That was my 1st home so I were so worry, but she helped me every steps of the ways.
Thu has been my preferred lender now for over 7 years. She has assisted my clients with knowledge of multiple loan programs that best fits their needs. Often times, getting them a better program/rate than competitors.
I've worked with Thu Phi multiple times, and each experience has been outstanding. She made the entire process easy and stress-free, always keeping me informed of the status every step of the way. Her professionalism and attention to detail truly set her apart. I highly recommend Thu Phi with GFS Home Loans for anyone looking for a seamless and hassle-free experience!
I recently refinanced my home with Thu Phi and it was a total breeze. She's super knowledgeable and explained everything in a way that even I could understand. She was always there to answer my questions and worked hard to get me the best deal possible. I'm so happy with how everything turned out. If you're looking for a mortgage professional who knows their stuff and is easy to work with, Thu Phi is your person!
Thuphi did an outstanding and professional job!
I had such a great experience working with Thu Phi! She's very thorough and efficient. I highly recommend her.
I worked with Thu and Henry from June to August. They were amazing, always kept me informed on what was going on and guided me on the right things to do as a new homebuyer. I am so grateful to them and will recommend them to everyone.
Thu and Henry were great to work with! Purchasing a house is confusing and stressful. We were lucky to work with knowledgeable and fun people that explained every step of the process so we never felt lost along the way. We highly recommend them to anyone looking to buy a house!
Thu was an absolute joy to work with during our home buying process! She was recommended to us, and we are so happy to have had someone as competent and thorough as Thu and her team! They worked diligently to make sure all bases were covered so that we would be able to close in time, handling things we weren't even aware of! As first time buyers, we couldn't have asked for a better person to support us. We are grateful for Thu and would recommend her to ANYONE going through this process!! We truly thank you, Thu!!!
Thu Phi is the absolute best lender you could choose! She cares about her client's needs and has their best interest in mind. She is incredibly attentive to make sure the entire process is as smooth as possible and that things get completed within a timely manner leading to deadlines and requirements met on time if not early.
Thu and her team were a dream to work with! Explained everything and made the process so easy! Would totally recommend her to anyone!
Thu Phi was (is) amazing.!! With her help, always checking on us and making sure all was smooth getting us into our forever home. She helped us so much and is very knowledgeable with VA loan procedures, and if she did not she knew who to ask. Thank you Thu Phi.!!!

I highly recommend Thu Phi for any financial questions or refinancing needs. She provides excellent assistance and is always willing to help you with pleasure.

I have bought 2 homes through Thu. She is experienced and knows how to walk you through the process. She provides excellent customer service and I appreciate her prompt response when I have a question. Do yourself a favor and go with Thu. She is not only best in the business but also a genuinely good person.

Thu, thank you for your incredible service and attention to detail. Our family is to fortunate to have such an incredible resource for all of our mortgage needs. We trust you and know you will take care of our loans without us have to chase anything down! Highly recommend Thu to anyone looking to buy, refi, or simply get more information!

Thu Phi has amazing customer service. She makes the home buying process so easy. I highly recommend using her and her team to buy your house.

I have been going to Thu Phi for years for my mortgage needs. She helped me with my loan when I became a first homebuyer. I had the best experience because she was there to answer any questions I have and guide me to prepare my credit and whatever is needed so I can get the best rate. Since then I have refer over my family and friends whenever they need a loan.

Thu Phi was a blessing to connect with. Qualifying for a mortgage and owning a house was something I thought would be near impossible being self employed but she worked with me and made it happen. Very grateful!

Thu is the best at what she does. She walked me through my first home purchase and was there for me for any concerns or questions I had. Would definitely recommend her!

Thu Phi offers a very professional approach with optimal organization in getting your mortgage. She keeps you on your toes, toe nails if one is not organized whilst collecting all required information. Yet her and the staff's friendly demeanors shine through. Buying a home, for most, is the biggest transaction one undertakes, wrought with a plethora of unanswered questions. This brings much angst, primarily attributed to the vast hurdles one must go over to make sure it is done correctly. With Thu, she jumps those hurdles for you. And her attentive approach brings a sense of calmness to a potentially stressful situation. I've used her services on multiple purchases and will continue to do so in the future. Five stars and beyond.

I have had the pleasure of working with Thu Phi and her team for the purchase of several properties, and I cannot speak highly enough of their service. Each time, I found her team to be exceptionally communicative, ensuring I was always informed about the status of my loan. Their quick, thorough, and effective approach to the mortgage process made every transaction smooth and stress-free. Thu and her team consistently exceeded my expectations with their professionalism and efficiency. I highly recommend Thu Phi and her team to anyone in need of mortgage services. You can trust them to provide outstanding service and support throughout the entire process.

After experience with another lender who did not care or keep me looped in, you can imagine my relief when we worked with Thu and her Team. She kept her communication open with us, which was so important with us being first time homebuyers. She took the time to listen and explain the processes to me. I am so grateful for the seamless loan process provided to us by Thu! Also, I can’t keep Henry unmentioned! He was so informative everyday on the next steps of our loan and what was to come next. Thank you a million for helping us get into our dream home.

Get Answers to All your Mortgage Questions?

Committed to giving you all the support and guidance you need.

A conventional loan is a type of loan that doesn't have government backing or insurance, unlike FHA, VA, and USDA loans, which are insured by the government. Conventional mortgage loans, whether conforming or non-conforming, usually require a slightly larger down payment than some government loans. However, conventional loans offer more flexibility and fewer restrictions for borrowers, especially those borrowers with good credit and steady income.

Your credit payment history is recorded in a file or report. These files or reports are maintained and sold by "consumer reporting agencies" (CRAs). One type of CRA is commonly known as a credit bureau. You have a credit record on file at a credit bureau if you have ever applied for a credit or charge account, a personal loan, insurance, or a job. Your credit record contains information about your income, debts, and credit payment history. It also indicates whether you have been sued, arrested, or have filed for bankruptcy.

On a conventional mortgage, when your down payment is less than 20% of the purchase price of the home mortgage lenders usually require you get Private Mortgage Insurance (PMI) to protect them in case you default on your mortgage. Sometimes you may need to pay up to 1-year's worth of PMI premiums at closing which can cost several hundred dollars. The best way to avoid this extra expense is to make a 20% down payment, or ask about other loan program options.

It's generally a good time to refinance when mortgage rates are 2% lower than the current rate on your loan. It may be a viable option even if the interest rate difference is only 1% or less. Any reduction can trim your monthly mortgage payments. Example: Your payment, excluding taxes and insurance, would be about $770 on a $100,000 loan at 8.5%; if the rate were lowered to 7.5%, your payment would then be $700, now you're saving $70 per month. Your savings depends on your income, budget, loan amount, and interest rate changes. Your trusted lender can help you calculate your options.

An Appraisal is an estimate of a property's fair market value. It's a document generally required (depending on the loan program) by a lender before loan approval to ensure that the mortgage loan amount is not more than the value of the property. The Appraisal is performed by an "Appraiser" typically a state-licensed professional who is trained to render expert opinions concerning property values, its location, amenities, and physical conditions.

Contact Me
Anytime.

Thu Phi

Branch Manager

NMLS# 315972

Thu Phi picture