Phil Ganz

Phil Ganz (NMLS #37833) is the President of Next Wave Mortgage, LLC, bringing more than 26 years of mortgage industry experience to the table. Over his career, he has helped thousands of families finance their homes through changing market cycles. A published author of books on mortgages, Phil believes borrowers make the best decisions when they have clear numbers and direct answers. He built his reputation on transparent guidance, fast turn times, and a calm, organized process that removes guesswork from home financing.

For Massachusetts buyers, Phil specializes in both straightforward purchases and structured financing that requires deeper underwriting knowledge. He helps buyers with jumbo loans in Greater Boston, reviews complex condo questionnaires, structures financing for two- to four-unit multifamily properties, and analyzes self-employed borrower income. Because Massachusetts purchases close with a closing attorney and move quickly once an offer is accepted, Phil focuses on thorough upfront preparation so your pre-approval is solid and your closing stays on track within 30 to 45 days.

Phil provides clear loan comparisons and steady communication from pre-approval to the closing table.