About Kari Phillips
Your mortgage process should be all about you and your experience. That's why we aim for your 100% satisfaction. How do we do it? First, our goal is to structure your loan with the lowest costs possible. Second, the loan application process is easy-peasy. You'll see when you click on the Apply Now button. Third, you have access to me and my team throughout the entire mortgage transaction, so you are comfortable with every step. It's that simple. Looking forward to working with you.....Oh, and if you want to know more about me personally, please click the Read More link.
With 25+ years of experience in the mortgage and banking industry, and over 10,000 loan transactions under her belt, Kari Phillips is a Loan Officer and Branch Manager like no other at one of the country’s top mortgage lenders - Rate. Kari leads a team which provides both borrowers and real estate agents with the best service and great loan products available, while differentiating itself in the lending space by offering fair and transparent rates and with a goal of driving to a full underwritten approval before they are in contract, rather than the simple “pre-qualification” – all of this allowing the strongest possible position for clients to purchase or refinance.
Kari is the proud mother of two girls, and wife of 18 years to her college sweetheart, whom she met while pursuing her Bachelor of Arts Degree in Marketing from Hillsdale College while on a basketball scholarship. She also went on to receive her Masters in Business Administration (MBA) from the University of Toledo. Life brought the Phillips family to Las Vegas over 20 years ago where her husband is a practicing probate attorney. In her free time Kari can be found on the greens mastering her golf swing, painting, or supporting her kids at their favorite sports and activities.
Come see why Kari and her team at Rate come so highly recommended by Real Estate Agents and borrowers alike.
The right advice could help you find the right mortgage for you. Let's work together.
Get approved in one day
The competitive edge you need to purchase the home you want. Get a fast approval with options as little as 3% down.
Current mortgage rates
Points:
| Loan Type | Rate | APR | Points | Mo. Payment |
|---|---|---|---|---|
| 30-year fixed | 7.250% | 7.557% | 0.75 ($2625.00) | $2387.62 |
| FHA loan | 6.625% | 7.699% | 0.918 ($2802.20) | $2091.37 |
| VA loans | 6.750% | 7.309% | 0.763 ($3117.62) | $2650.17 |
| Jumbo loans | 6.750% | 6.952% | 0.567 ($5103.00) | $5837.38 |
* Rates current as of 4/12/2025 02:13 pm, provided by Kari Phillips, for Clark County, NV, and are subject to change without notice.
Mortgage rates disclaimers
30 year, 15 year rate assumptions
- Purchase price: $437,500
- Down payment: 20.00%
- First Lien Position
- Primary residence
- 760 FICO Score
- 30 day rate lock
- 80.00% LTV ratio
FHA rate assumptions
- Purchase price: $310,880
- Down payment: 3.50%
- First Lien Position
- Primary residence
- 680 FICO Score
- 30 day rate lock
- 96.50% LTV ratio
Jumbo rate assumptions
- Purchase price: $1,200,000
- Down payment: 25.00%
- First Lien Position
- Primary residence
- 760 FICO Score
- 25 day rate lock
- 75.00% LTV ratio
VA rate assumptions
- Purchase price: $400,000
- Down payment: 0.00%
- First Lien Position
- Primary residence
- 680 FICO Score
- 30 day rate lock
- 100.00% LTV ratio
- Must meet eligibility assumptions to qualify
This is NOT a mortgage loan approval or commitment to lend.
The actual fees, costs, and monthly payment on your specific loan transaction may
vary, and may include city, county, or other additional fees and costs. Mortgage rates
are offered exclusively through Rate, Inc. and are subject to change without
notice. The payment amount does not include homeowners' insurance, flood insurance
(if applicable), or property taxes that must be paid in addition to your loan payment.
The displayed Annual Percentage Rate (APR) is a measure of the cost to borrow money
expressed as a yearly percentage. For mortgage loans, excluding home equity lines of
credit, it includes the interest rate plus other charges or fees (such as mortgage
insurance, discount points, and origination charges). These mortgage rates are based
upon a variety of assumptions and conditions, which include a consumer credit score
that may be higher or lower than your individual credit score. Your loan's interest
rate will depend upon the specific characteristics of your loan transaction and your
credit history up to the time of closing. Refinancing may cause finance charges to be
higher over the life of the loan. Rate, Inc. has no affiliation
with the US Department of Housing and Urban Development, the US Department of Veterans
Affairs, the Nevada Department of Veterans Services, the US Department of Agriculture,
or any other government agency.
We're in your pocket
We're committed to you as a whole person, from financial to physical and emotional wellness. Get the Rate experience in a convenient app to fit your lifestyle on-the-go.
The Rate App allows you to:
- Monitor your loan status
- Connect with your loan team
- Calculators, tools, guides, and advice
- Track your home value
- Wellness tips to help you grow holistically
Download our app
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Located at 9275 W Russell Rd., Suite 275 Las Vegas NV, 89148