Redding, CA mortgage lender · Licensed in CA, TX, SC, FL & TN
Redding home loans, made clear.
Whether you're buying your first home, moving up, refinancing, or downsizing, I'll walk you through every step with straight answers and real support.
Mandy Phillips · Branch Manager, Omega Mortgage Group · NMLS# 1878035
Home loans for every stage of life
Every chapter needs a different kind of loan. Start with the one that fits you.
Buying your first home
See what you can afford and your low-down-payment options.
Learn more →Moving up
Buy your next home, even while you still own this one.
Learn more →Refinancing
Lower your payment or change your loan term.
Learn more →Tapping your equity
HELOCs, including fast, mostly online options, without touching your current mortgage rate.
Learn more →Downsizing or retiring
Simplify with a loan that fits this chapter of life.
Learn more →Veterans
VA loans with $0 down for eligible buyers.
Learn more →Physicians
Doctor loans with 0% down for eligible medical professionals.
Learn more →Down payment assistance
CalHFA, GSFA, and a nationwide program, all underwritten in house.
Learn more →Self-employed & investors
Bank statement loans that skip tax returns, and DSCR loans based on rental income.
Learn more →Local in Redding. Here for you in five states.
My office is on Hilltop Drive in Redding, and I've lived in Shasta County my whole life. I also help buyers across California, Texas, South Carolina, Florida, and Tennessee, many of whom found me on TikTok.
Meet in person in Redding
Stop by the office or grab coffee. I know this market and the local Realtors.
Work with me from anywhere
Phone, text, video calls, and e-signing make the whole process easy, wherever you're buying.
How it works
- STEP 1
Get pre-approved
Know your budget before you start shopping.
- STEP 2
Shop with your Realtor
I write a custom pre-approval letter for every offer.
- STEP 3
Get under contract
We handle the paperwork and keep escrow on track.
- STEP 4
Get your keys
Close with confidence and no last-minute surprises.
Meet Mandy
I'm a lifelong Shasta County local and Branch Manager at Omega Mortgage Group. Before mortgages, I spent years in real estate, so I understand the whole move, not just the loan.
My team has you covered: Michael handles pre-approvals, Jen keeps escrow moving, and I'm with you from start to finish.
More about me →Follow along
Learn mortgages with me
Nearly 200,000 people follow along for plain-English mortgage tips. Come say hi.
Latest on TikTok
Follow @mortgagemandy →For Realtors
Custom pre-approval letters that match every offer, plus fast answers when you need them, nights and weekends included.
Learn with me
Visit the Learning Center →Ready when you are.
Let's see what you qualify for. No pressure and no jargon, just clear next steps.
