Philip Fernandez

Philip Fernandez

5.0 of 5 19 Reviews
Top Flite Financial, Inc - NMLS ID 4181

21 The Boulevard, Richmond Heights, MO, 63117 NMLS ID: 2271475

Licensing/Registration information on this individual can be found by clicking the NMLS ID number

About Me

Senior Finance Manager for Top Flite Financial. Specializing in cash out refinancing for debt consolidation and home improvements. Dedicated to improving your overall financial position and setting you up for future success.

Office Location

21 The Boulevard, Richmond Heights, MO, 63117

Get Directions

Ratings & Reviews

19 Reviews
(5.0 of 5)
  • Interest Rates
  • Fees & Closing Costs
  • Responsiveness
  • Customer Service

Review Breakdown

(5 of 5)

Outstanding Knowledge & Service.

If You’re reading this… You are probably doing Due Diligence on Top Flite Financial. My wife & I just closed our loan with Top Flite. As a satisfied customer I offer you this. We were looking for a lender who embodied the values and professionalism that we wanted, and we deserved. Integrity, Service, Performance, Results. Top Flite is “Top Notch”. Our research came down to 2 choices: work with Top Flite Financial, a high-performance engine or ride the Banks horse & buggies.

Integrity, Service, Performance, Results was fully embodied in our “Loan Team” led by Phil Fernandez our Loan Officer and his Associate Kevin Engel. It was like having our own Private Banker in Phil Fernandez and our information concierge Kevin . Phil moved our loan at light speed through the regulatory jungle with his “let’s get it done” approach. Phil identified our needs and delivered the results we wanted. Top Flite and Phil Fernandez truly care about their clients believe me, become one and you’ll see.

greg from Woodstock, GA

(5 of 5)

The wait was worth it

The beginning was a major hassle. After the inspection, I had to find a handyman here in rural Tennessee to do the repairs. Well, the first guy installed the front door and did such a bad job I didn't ask him back to do the rest. The second guy said he was going away for the 4th of July weekend and would call me when he got back. I never heard from him again. The next guy quoted an horrific price for the work without coming to see what needed to be done. Finally got a guy who showed up and got the repairs done. Throughout this, the support from Top Flite, Philip and Michael, was excellent. they called and emailed regularly to get updates and to update me on what was going on at their end. When the final inspection was OKed, the paperwork and notary visit were scheduled in a timely manner and the whole magilla will be settled in less than a week. I appreciate the phone calls and emails updating me all through this long process.

Susan from Cowan, TN

(5 of 5)

It was a awesome experience

This is by far one of the best companies I have worked with. My loan officer kept me updated on every detail! I was told everything will work out! And it did! Thank you Phil and Nick so much! You guys are awesome

Stephanie from Franklin, IN

(5 of 5)

Very professional and easy to work with.

Mr. Fernandez was very professional and easy to work with. He answered any calls that were made to him and if he did not he promptly got back to me. He guided me through the whole process and answered any questions or concerns that I had. He was courteous at all times even when I was frustrated at times. I would highly recommend him as a loan officer.

Thomas from Vass, NC

(5 of 5)

Senior Finance Manager

From the first contact, Mr. Fernandez provided me the right measure of professionalism and compassion of guidance through, what was for me, a daunting process.

Jennifer from Matthews, NC

Thank you for sharing your experience

Here are a few tips for writing a top-notch review for a Loan Officer: