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Home > Search UMB's > RMG Financial
Phillip Bairley
Contact Information

RMG Financial
8044 Corte Sasfras
Carlsbad, California 92009

760 688-8994 [phone]
[email protected]

Organization Affiliation
Better Business Bureau    
Equal Housing Lender   
Carlsbad Chamber of Commerce
California Association of Mortgage Brokers

Contract With Client

I disclose all closing costs, rate and program information in writing via a Good Faith Estimate (GFE)

Technology Employed


Locking Procedures

I lock upon complete disclosure and agreement from my client on closing costs, rate and program.

Third Party Fees

Standard 3rd party fees:  Credit report, appraisal, title, escrow, and lender fees.  I can structure your loan as a no cost loan, where these fees are paid for.

Broker Fees

Fees are quoted upfront upon loan inquiry in my Good Faith Estimate.


I have been in the mortgage industry for more than 15 years and am currently the co-owner of StoneCreek Capital Mortgage in Carlsbad.  I would appreciate the opportunity to assist you with your mortgage needs in any way I can.  My mortgage company has lending relationships with over 100 banks, which provides me the competitive advantage to meet the needs of any client. Since mortgages have become a commodity, it is difficult to differentiate on product and price alone. While maintaining a position as a low price leader, I have chosen to invest time and capital to consistently outperform my competition when it comes to delivering on service. That is my commitment to you as our current and future client.     Please call me if you are buying a new home, refinancing your existing home, need a home equity loan or if you just want to check rates or discuss what mortgage programs are available.


RMG Financial
8044 Corte Sasfras
Carlsbad, California 92009

760 688-8994 [phone]
[email protected]