Stephen Phares

Regional Vice President / LPO Manager NMLS#785397

Contact Info

(215) 953-1960

(215) 852-8399


Office Address:
1265 Industrial Blvd
Southampton, PA 18966


Stephen is Regional VP in the Southampton, PA branch for First Choice Loan Services Inc., a Berkshire Bank Company. He has been originating and managing residential and commercial mortgages for the past 30 years. Stephen has great knowledge and understanding of how to structure loans in order to manage the expectations of all clients and get to closing on time. What makes Stephen and his team exceptional is that they have both in-Branch processing and underwriting at his location. This allows Stephen and his team the ability to provide personalized service throughout the loan process in a timely fashion. In most cases we can turn a loan to close in 14 days. We give you the Big Bank product with Community Bank service. We offer Conventional, FHA, VA, Reverse loans and some portfolio products. We can originate in 46 states. Please feel free to contact me whether you are a buyer looking for a home, a present homeowner looking to refinance or a loan officer looking for a great place to work.

With 30 years of experience, a senior loan officer, then as a branch manager, I have a unique perspective to the needs of my staff, my clients and my referral sources. I've been a manager of a branch, having 30 loan officers at a time, for more than 18 years. My staff has great stability. I have salespeople who have been with me for up to 18 years. Why? Because I'm always looking for ways to help my staff become more profitable. I believe in the adage that a happy staff is a seriously productive staff. I also understand that I have a responsibility to not just my own clients, but also to the clients of my sales staff. Our branch is a full service branch. We process, underwrite and close all loans out of our branch. We are fully capable of doing all types of loans. In the event that a loan does not meet an agency's guidelines, we will strive to find an alternative source of financing. Every possible aspect will be analyzed, to help the client buy, afford, and enjoy the home of their dreams

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