An expert in residential home financing, Philip X. Tirone is a powerhouse mortgage broker who contributes heavily to his firm’s billions of dollars in loan sales. Philip has a unique background in difficult-to-obtain loans, having spent years working with borrowers with subprime credit scores. Philip is masterful in finding loans for borrowers with bad credit, no credit, bankruptcy, and no stated income, but his specialty is in helping increase his clients’ credit scores so they qualify for the optimal loan programs that minimize their interest payments. In addition to authoring 7 Steps To a 720 Credit Score™, Philip’s workbook, Applying the 7 Steps to a 720 Credit Score, is one of Nightingale-Conant’s top sellers.
Philip’s commitment to educating homebuyers prompted the “7 Steps Licensing Program,” which allows mortgage brokers nationwide to become licensed in the 7 Steps and in turn help improve their clients’ credit scores. He is also developing the 7 Steps Foundation, a charitable foundation that will allocate funds to help low-income and underserved Americans increase their credit scores and buy homes.
Philip has been featured in articles on credit and mortgage trends in the Los Angeles Times, New York Times.com, Wall Street Journal, Newsday, Woman’s World Magazine, San Jose Mercury News, Bottom Line Magazine, Bankrate.com, and several others.
Philip created the Complete Financial Navigator™, a tool to analyze his borrowers’ needs and financial picture, thereby helping borrowers overcome barriers to achieving their real estate goals. As a frequent guest lecturer at the University of California Los Angeles, Philip has authored and delivered numerous speeches regarding the “Mortgage Lifestyle Dilemma,” a phrase he coined to describe an emotional buying decision that results in overextension and a life that revolves around high mortgage payments. By analyzing industry-specific buying trends, he has devised a series of questions to help borrowers avoid this dilemma.
Philip was named Arizona State University’s Man of the Year upon graduating with a real estate degree in 1994. Since then, he has continued to receive acclaim, most recently in the New York Times best-seller, Secrets of the Young and Successful.
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