Skip to content
Get Pre-Approved

Phil Ganz

Phil Ganz

5-star

Rated 4.9/5.0 by
113+ Homeowners on Google

Phil Ganz is a Senior Mortgage Consultant and President at Next Wave Mortgage (NMLS #2536820), where he leads a people-first team built around fast turn times, transparent guidance, and highly personalized service.

With 26+ years in the mortgage industry, Phil has helped thousands of families move from “maybe someday” to keys-in-hand with a clear plan and steady support from application through closing.

Based in Fort Lauderdale, Phil specializes in Florida home financing, especially scenarios that require strong structure and strategy, like jumbo loans in South Florida, self-employed income, and buyers using down payment assistance.

Clients work with Phil for one simple reason: he makes the process feel understandable, organized, and calm, while still moving fast when the deal needs speed.

Loan options Phil can help with

  • Conventional, FHA, VA, and Jumbo loans
  • Bank statement & Non-QM programs
  • Down Payment Assistance programs (including Florida options)
  • Reverse mortgages & home equity solutions (where eligible)

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 to compete.
  • Homeowners refinancing or restructuring for long-term savings.

A simple, guided process

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

Contact & Credentials

Florida market experience that matters

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.