Phillip Himes is an award-winning REALTOR® with eXp Realty serving the Houston Bay Area, and a rare dual expert in both real estate and mortgage finance. Before becoming a REALTOR® in 2015, he spent more than 20 years in the mortgage industry — rising from loan officer to Regional Manager over Texas and Northern Louisiana — with hands-on expertise in loan origination, underwriting, appraisal, processing, and closings across FHA, VA, and conventional loans. That background lets him speak credibly on home financing and affordability, local housing-market trends, home-selling and negotiation strategy, first-time buyers, and new construction. He holds the ABR, SRS, RENE, ASP, CHBA, and CHSA designations; has been named a Five Star Mortgage Professional, a Five Star Real Estate Professional,...