An expert in residential home financing, Philip X. Tirone is a mortgage broker whose production continues to be a major powerhouse in United Pacific Mortgage’s billions of dollars in loan sales. Philip has a unique background in difficult-to-obtain loans, having spent many years working with borrowers with subprime credit scores. Philip has demonstrated authority in finding loans for borrowers with bad credit, no credit, bankruptcy, and no stated income. He has analyzed thousands of credit reports and works with his clients to maximize their credit scores to minimize their interest payments. He has authored a book, 7 Steps To a 720 Credit Score, and teaches a seminar of the same name, which educates borrowers how to prepare for a loan by improving their credit scores.

Philip also hosts a weekly radio show, 7 Steps to a 720 Credit Score, which airs every Saturday and Sunday on KTLK (1150 AM).

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, Philip 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 & Successful.

He resides in Los Angeles, California, working as a mortgage broker for United Pacific Mortgage. He is married to his wife Lily and they have one daughter named Ava.

UPM, an independent full-service mortgage banker/broker, is a privately owned company licensed by the California Department of Real Estate. UPM is an innovative and progressive industry leader in the field of mortgage banking. United Pacific Mortgage offers a wide variety of mortgage loan products, including purchase, refinance, cash-out refinance, owner and non-owner occupied loans, construction and land loans, and commercial and industrial loans. UPM is both a mortgage banker and a mortgage broker. It is able to process, underwrite and fund the loan in house. Therefore, they are able to provide their clients with the lowest rate and closing costs and they are able to choose from over 100 lending sources. UPM has earned a reputation as a mortgage firm with the ability to grant special exceptions on underwriting and pricing guidelines that fall outside of traditional mortgage loan-underwriting guidelines