Reviewer · Mortgage education
Phil Ganz
President, Next Wave Mortgage
NMLS #37833
About Phil
Phil Ganz is president of Next Wave Mortgage. His mortgage work includes first-time homebuyers, self-employed borrowers, and files that require a closer look at income or available financing programs.
His areas of experience include conventional, FHA, VA and jumbo loans, as well as bank-statement and non-QM programs. As reviewer for AI Denied My Mortgage, his focus is the distinction between a possible option and a loan that meets the requirements of a complete application.
Official Next Wave profile ↗ · Verify licensing through NMLS ↗
Professional details and photograph sourced from Next Wave Mortgage. Licensing and program availability should be confirmed for your state.
Guides reviewed by Phil
AI & automated decisionsAI denied your mortgage? Get the reason behind the decisionMortgage denial helpMortgage denied? Find out why—and what to do next.Options after a denialMortgage options after a denial: what can actually change?Late paymentsMortgage declined due to a late payment? Here’s what to check.High debt-to-income ratioHigh-DTI mortgage lenders: how to find an option that fitsDenied in underwritingMortgage loan denied in underwriting: what to do nextManual underwritingManual underwriting: who it helps and what lenders requireSelf-employed incomeDo mortgage lenders use gross or net self-employed income?Denied after preapprovalMortgage denied after preapproval: find out what changed