Philip Carcel Munce
Senior Loan Advisor
Philip Carcel Munce is a dedicated mortgage professional with a passion for helping clients navigate the complexities of home financing.
He brings a thoughtful, client-centered approach, particularly attuned to the needs of younger generations facing unique financial challenges in today’s housing market.
Philip is committed to making homeownership more accessible by delivering personalized, strategic guidance at every stage of the journey.
With years of industry experience and a reputation for staying ahead of market trends, Philip offers tailored financing solutions informed by up-to-date insights on interest rates, loan programs, and economic shifts.
His clear, approachable communication style helps demystify the mortgage process, empowering clients to make informed decisions with confidence.
From the first conversation to closing day, Philip is focused on building lasting relationships and supporting his clients’ long-term financial goals.
Outside of his professional work, Philip is active in the Jacksonville and Northeast Florida community. He serves on several nonprofit boards and is involved in planning events and fundraising initiatives throughout the year.
In his free time, he enjoys weightlifting, traveling with his husband, playing fetch with their dog, participating in intramural sports leagues, and exploring new restaurants.
This balance of professional dedication and personal passion reflects Philip’s deep connection to both his clients and his community.