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Phil Ganz, President

Phil Ganz

President, Next Wave Mortgage, LLC · Mortgage Broker for Texas Homebuyers · NMLS #37833 · Verify license

4.9/5.0 · 119 Homeowners on Google

Schedule a Free Call617-529-9317phil@nextwavemortgage.com

Phil Ganz (NMLS #37833) is a mortgage broker, Senior Mortgage Consultant, and President of Next Wave Mortgage (company NMLS #2536820), where he leads a people-first team built around fast turn times, transparent guidance, and highly personalized service. In 26+ years he has helped thousands of families move from "maybe someday" to keys-in-hand.

Through Make Texas Your Home, Phil focuses on Texas financing that takes structure and strategy — jumbo loans in fast-growing metros like Austin and Dallas, self-employed income, and buyers stacking TDHCA, TSAHC, or city down payment assistance. Clients work with him because he makes the process understandable, organized, and calm, while still moving fast when the deal needs speed.

Whether you’re buying in Houston, Dallas–Fort Worth, San Antonio, Austin, or anywhere else in Texas, Phil helps you choose a loan structure that fits your price point, timeline, and documentation — without overcomplicating the process.

Loan options Phil can help with

  • Conventional, FHA, VA, and Jumbo loans
  • Bank statement & Non-QM programs
  • Texas down payment assistance programs
  • Reverse mortgages & home equity solutions

Built for real-life borrowers

  • First-time buyers who want a step-by-step plan.
  • Veterans exploring VA benefits.
  • Self-employed borrowers with complex income.
  • Buyers who need a strong pre-approval.
  • Homeowners refinancing for long-term savings.

A simple, guided process

  1. 1Quick intro call to understand your goal.
  2. 2Clear checklist (no guesswork).
  3. 3Loan strategy + program match.
  4. 4Fast pre-approval and confident next steps.
  5. 5Consistent updates through closing.

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