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Phil Ganz

President

Phil Ganz

NMLS# 37833
Licensed in MA, FL, NH, RI, TX

With over 26 years of experience in the mortgage industry, Phil Ganz has helped thousands of families achieve the dream of homeownership with clarity, confidence, and care.

As President of Next Wave Mortgage, he leads a dedicated team committed to fast turn times, transparent guidance, and highly personalized service—available 24/7/365.

Phil is a nationally ranked top 1% originator and a Certified Mortgage Planning Specialist. He is passionate about building people-first businesses that empower clients, partners, and teammates alike.

Whether structuring creative financing for self-employed borrowers, mentoring new loan officers, or developing innovative lead-generation systems, Phil focuses on one goal: creating better outcomes.

He specializes in guiding first-time homebuyers through low-friction processes, unlocking challenging files with strategic income and asset structuring, building scalable brokerage systems, and coaching high-potential talent seeking more than just a paycheck.


Areas of Expertise:

  • FHA, VA, Conventional, Jumbo loans
  • Bank Statement & Non-QM programs
  • Down Payment Assistance Programs (Hometown Heroes, TSAHC, and more)
  • Reverse Mortgages & Home Equity Loans

Based in Fort Lauderdale, Florida, Phil is licensed in MA, TX, FL, CO, RI, and NH.


To connect with Phil: