Phil Ganz
President, Next Wave Mortgage, LLC · Fort Lauderdale Mortgage Broker · NMLS #37833 · Verify license
4.9/5.0 · 119 Homeowners on Google
Phil Ganz (NMLS #37833) is a Fort Lauderdale 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.
Based in Fort Lauderdale, Phil specializes in Florida financing that takes structure and strategy — jumbo loans in South Florida, self-employed income, buyers using 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 Fort Lauderdale, Broward County, Miami-Dade, Palm Beach, or elsewhere in Florida, Phil helps you choose a loan structure that fits your price point, timeline, and documentation — without overcomplicating the process. Working with Phil as your Fort Lauderdale mortgage broker →
Loan options Phil can help with
- Conventional, FHA, VA, and Jumbo loans
- Bank statement & Non-QM programs
- Florida 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
- 1Quick intro call to understand your goal.
- 2Clear checklist (no guesswork).
- 3Loan strategy + program match.
- 4Fast pre-approval and confident next steps.
- 5Consistent updates through closing.
Latest from Phil
- Florida Property Tax Amendment 3: What It Means for BuyersOct 6, 2026
- Florida Property Tax Exemptions for Seniors: How to Qualify & SaveOct 6, 2026
- Self-Employed & 1099 Mortgage Loans in Florida (2026 Guide)Oct 5, 2026
- Foreign Buyer's Guide to Buying Florida Real Estate | Rules & FinancingOct 5, 2026
- Reverse Mortgage Closing Costs in Florida | Fees & What to ExpectOct 5, 2026
- Is Florida Hometown Heroes Still Available? September 2026 Funding UpdateSep 21, 2026
The Bookshelf
Books by Phil
Practical, no-nonsense guides to homeownership, wealth, and making smarter financial decisions.
Buy on Amazon
Featured Book
APPROVED
The Mortgage Playbook Your Bank May Never Show You. 48 real buyer questions — FHA, gift funds, co-signers, seller credits, zero-down programs — each with a 30-second answer up front and the arithmetic shown.
Real Strategies
From decades of experience
Actionable Advice
You can use right away
Built for Real People
Not Wall Street jargon
A Stronger Tomorrow
For you and your family