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Your Direct Mortgage Bank: Solutions for Your Future

As a licensed direct lender, we provide in-house underwriting and faster closings to secure your financial future.
Licensed in NY, NJ, CT, PA, FL
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WHY CHOOSE PHS LOANS

Built for Speed, Savings & Simplicity

From fast pre-approvals to transparent pricing, we make home financing simple, affordable, and stress-free—so you can move forward with confidence.
Affordable Down Payments

Flexible, down payment options designed to fit your budget and make homeownership accessible.

Fast Pre-Approval

Get approved in hours—not weeks—with a streamlined process that keeps your home search.

Transparent Process

No hidden fees, no surprises. Know exactly what to expect at every step of your loan journey.

Competitive Rates

Access exclusive, competitive rates that help you save more over the life of your loan.

Local Market Expertise

We understand markets and regulations, giving you an edge in home buying situations.

Dedicated Support

Work with a responsive team that guides you from application to closing with personalized support.

Loan Programs

Financing Solutions for Every Situation

From first-time buyers to seasoned investors, we have specialized programs designed for your unique goals.
Conventional Loans

Traditional financing with competitive rates for buyers with strong credit profiles and stable income.

FHA Loans

Government-backed loans with flexible credit requirements, perfect for first-time homebuyers.

VA Loans

Exclusive benefits for veterans, active military, and eligible family members with zero down payment.

Fix & Flip Loans

Fast funding for real estate investors renovating and reselling properties for profit.

Self-Service Tools

Calculate, Compare, Decide

Explore your options independently with our suite of professional mortgage calculators and planning tools.
Mortgage Calculator

Estimate monthly payments including taxes and insurance

Refinance Calculator

Calculate potential savings from refinancing

Rent vs Buy

Compare the long-term costs of renting versus buying

Affordability Calculator

Determine how much home you can afford

APR Calculator

Compare the true cost of different loan offers

Early Payoff

Calculate savings from consolidating high-interest debt

Debt Consolidation

Calculate savings from consolidating high-interest debt

Home Search Tool

Search available properties in your target area

Our Team

Meet Your Local Mortgage Experts

Experienced loan officers who understand the Real Estate market and are dedicated to your success.

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Lawrence Tesch

Director of Sales

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Gil Shenhav

President

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Yaakov Hauptman

Chief Operating Officer

Client Success Stories

Trusted by Homebuyers Like You

Real experiences from real clients who chose PHS Loans for their mortgage needs.

Ready to Get Started?

Join thousands of satisfied homeowners. Get pre-approved in 24 hours with transparent rates and dedicated support.