About Kari Phillips
Your mortgage process should be all about you and your experience. That's why we aim for your 100% satisfaction. How do we do it? First, our goal is to structure your loan with the lowest costs possible. Second, the loan application process is easy-peasy. You'll see when you click on the Apply Now button. Third, you have access to me and my team throughout the entire mortgage transaction, so you are comfortable with every step. It's that simple. Looking forward to working with you.....Oh, and if you want to know more about me personally, please click the Read More link. With 25+ years of experience in the mortgage and banking industry, and over 10,000 loan transactions under her belt, Kari Phillips is a Loan Officer and Branch Manager like no other at one of the country’s top mortgage lenders - Rate. Kari leads a team which provides both borrowers and real estate agents with the best service and great loan products available, while differentiating itself in the lending space by offering fair and transparent rates and with a goal of driving to a full underwritten approval before they are in contract, rather than the simple “pre-qualification” – all of this allowing the strongest possible position for clients to purchase or refinance. Kari is the proud mother of two girls, and wife of 18 years to her college sweetheart, whom she met while pursuing her Bachelor of Arts Degree in Marketing from Hillsdale College while on a basketball scholarship. She also went on to receive her Masters in Business Administration (MBA) from the University of Toledo. Life brought the Phillips family to Las Vegas over 20 years ago where her husband is a practicing probate attorney. In her free time Kari can be found on the greens mastering her golf swing, painting, or supporting her kids at their favorite sports and activities. Come see why Kari and her team at Rate come so highly recommended by Real Estate Agents and borrowers alike.
We can make it happen!
Bank Statement loans
Self-employed? Our Bank Statement Loan program allows self-employed borrowers to seek a home loan without tax returns, W2s or pay stubs.
Foreign National loans
Not a US Citizen? Foreign National loans are available without a social security number, green card, or visa and do not require a FICO score.
We're in your pocket
We're committed to you as a whole person, from financial to physical and emotional wellness. Get the Rate experience in a convenient app to fit your lifestyle on-the-go.
The Rate App allows you to:
Monitor your loan status
Connect with your loan team
Calculators, tools, guides, and advice
Track your home value
Wellness tips to help you grow holistically
Download our app
Now available on
Located at 9275 W Russell Rd., Suite 275 Las Vegas NV, 89148
*Rate's 5-minute pre-approval refers to an automated underwriting review of borrower submitted loan documentation and subsequent pre-approval and should not suggest to a borrower that Rate has fully funded or approved the borrowers mortgage application within 5 minutes. Rate cannot guarantee that a loan will be approved or that a closing will occur within a specific timeframe. Not all borrowers will be approved. Borrower's interest rate will depend upon the specific characteristics of borrower's loan transaction, credit profile and other criteria. Restrictions apply.
**Rate's Same Day Mortgage promotion offers qualified customers who provide certain required financial information/documentation to Rate within 24 hours of locking a rate on a mortgage loan the opportunity to receive a loan approval within 1 business day of timely submission of documentation and does not suggest that the borrower will receive funding on the same day as their application submission. For purposes of this offer, documents provided after 1 pm local time or on a weekend or company holiday will be deemed submitted the next business day. Rate cannot guarantee that a loan will be approved or that a closing will occur within a specific timeframe. Rate reserves the right to revoke this approval at any time if there is a change in your financial condition or credit history which would impair your ability to repay this obligation. Read and understand your Loan Commitment before waiving any mortgage contingencies. Borrower documentation and Intent to Proceed must be signed within 24 business hours of receipt. Not eligible for all loan types or residence types. Minimum down payment requirements apply. Not all borrowers will be approved. Borrower's interest rate will depend upon the specific characteristics of borrower's loan transaction, credit profile and other criteria. Not available in all states. Restrictions apply. Visit rate.com/same-day-mortgage for terms and conditions.
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