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  • All Mortgages
    • VA Mortgage
    • Conventional & FHA Mortgage Loans
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    • Bank Statement Mortgage Loan
    • VA Jumbo
    • Jumbo & High Balance Mortgage Loans
    • Private, Proprietary, or Jumbo Reverse Mortgages
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    • Foreign National Mortgage Loan
    • Non Qualified Mortgage
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Terms and Conditionswpengine2026-09-14T15:14:53+00:00

Terms and Conditions

Effective September 14, 2026

These Terms and Conditions apply to your use of psmortgagelending.com and to text messages you receive from us. The website is operated by PS Financial Services, LLC, doing business as PS Mortgage Lending (NMLS 968090). By using the website or opting in to our text messages, you agree to these terms.

Text messaging terms

Program. PS Mortgage Lending sends text messages to people who opt in, for example by entering a mobile number and checking the consent box in the chat on our website. Messages may include replies to your questions, appointment scheduling and reminders, updates about your loan inquiry or application, and promotional messages about our mortgage products and services. Consent to receive text messages is not a condition of any purchase or loan.

Eligibility. You must be at least 18 years old and the account holder or an authorized user of the mobile number you provide.

Message frequency. Message frequency varies based on your conversations and requests.

Cost. Message and data rates may apply. Contact your wireless provider with questions about your text or data plan.

Opting out. Reply STOP to any message to cancel at any time. You may receive one final message confirming that you have been unsubscribed. After that, you will not receive further text messages from us unless you opt in again.

Help. Reply HELP to any message for assistance, or contact us at (305) 791-4874 or info@pslending.com.

Carriers. Wireless carriers are not liable for delayed or undelivered messages.

Privacy. We handle your information as described in our Privacy Policy. We do not share your mobile number or your text messaging opt-in consent with third parties or affiliates for marketing or promotional purposes.

Using this website

Information only. The content on this website is general information. It is not a commitment to lend, a loan approval, or a guarantee of any rate or term. All loans are subject to credit approval, property eligibility, and program guidelines, and rates and programs can change without notice. Calculators and examples are estimates only.

Not legal, tax, or financial advice. Please talk with a qualified professional about your specific situation.

Licensing. PS Financial Services, LLC is licensed as described on our License & Disclosures page. Equal Housing Opportunity.

Third-party links and tools. The website links to and embeds content from other websites and service providers. We do not control and are not responsible for their content, availability, or practices.

Intellectual property. The content, logos, and design of this website belong to PS Financial Services, LLC or its licensors and may not be copied without permission.

Limitation of liability. The website is provided “as is.” To the fullest extent allowed by law, PS Financial Services, LLC is not liable for any damages arising from your use of the website or your reliance on its content.

Governing law. These terms are governed by the laws of the State of Florida, without regard to conflict of law rules.

Changes. We may update these terms from time to time. The effective date at the top of this page shows when they were last changed.

Contact us

PS Financial Services, LLC dba PS Mortgage Lending
NMLS 968090
9480 SW 77th Ave, Suite 201, Miami, FL 33156
Phone: (305) 791-4874
Toll free: (888) 845-6630
Email: info@pslending.com

Office Hours

Monday - Friday: 9:00am - 6:00pm
9480 SW 77th Ave, Suite 201, Miami, FL 33156

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Phil "Felipe" Stevenson, CRMP

Stevenson NMLS 365768

Managing Member & Principal MLO

PS Financial Services, LLC NMLS 968090

Click here to view PS Financial Services, LLC NMLS FILINGS

Florida Mortgage Broker License MBR1267

Texas SML Mortgage Company License 968090

License & Disclosures | Privacy Policy | Terms and Conditions

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“You Will Now be exiting psmortgagelending.com”

Phil Stevenson photo

Phil “Felipe” Stevenson, CRMP

Owner & Principal

PS Financial Services 365768

Phil Stevenson is 1 of approximately 200 Certified Reverse Mortgage Professionals (CRMP) in the United States, and formerly served on the Ethics Committee of the National Reverse Mortgage Lenders Association (NRMLA).

Born and raised in Miami to a Cuban mother, he speaks fluent Spanish and uses the nickname “Felipe” when working with clients who are not strong in the English language. Stevenson is always taking the lead and trying to find new ways to succeed by helping others around him become successful as well. With over a 13 years of experience in mortgage processing, origination, recruiting, and managing other mortgage professionals, Stevenson has a broad understanding of the mortgage process from beginning to end. He began focusing on Reverse Mortgages in 2008, and today offers all types of Mortgages with specializations in Reverse Mortgages and VA Home Loans. As a reverse mortgage originator in Miami, he has personally closed and funded hundreds reverse mortgages. PS Financial Services has become one of the top Reverse Mortgage Companies in Florida, and was ranked #1 Reverse Mortgage Broker in Florida for 2015, 2016, & 2017 (based on Reverse Mortgage Insight’s “RMI Reports”).

Stevenson earned a bachelor’s degree in International Relations with minors in Economics and Geography from Florida International University. Studying interest rates, money supply, and amortization tables has given him in-depth knowledge of past, current, and projected issues in the industry. His economics degree gave him a phenomenal knowledge base that allowed for a seamless transition into the mortgage business from the military. As a father of 2 and a veteran of the wars in both Afghanistan and Iraq, family values, honesty, and integrity are of utmost importance to him.

#1vet2another

Aren’t you tired of big lender call centers that use the word “Veteran” in their name or use a military branch in their name, but then you are dealing with a rookie mortgage person who was never in the military? Why do we always feel that the big names give us the best deal? We need to realize that the larger the mortgage company, the more impersonal the transaction.Don’t become a number, you’re not a cog in the wheel.

Phil Stevenson joined the US Army in 1999 to find a way to fund his college education, but knowing full well that “peace time” doesn’t last. He was deployed to Afghanistan in 2002 and then back to back to Iraq 2003-2004, and was part of the first rotations into both. Phil ETS’d in 2007 to focus on his family and his fledgling mortgage career, but always wanted to find ways to give back and help veterans.So now #1vet2another is his movement to offer VA Mortgage Loans to fellow veterans, and take care of vets the way they deserve to be treated.