Toy Philip

Toy Philip has extensive experience in mortgage underwriting, with a career spanning over a decade. Currently serving as a Senior Mortgage Underwriter at Penny Mac since June 2014, Toy specializes in VA loans and has contributed significantly to the field through roles at Veterans United Home Loans as a Mortgage Underwriter and with EPM, focusing on VA LAPP & SAR & DE. Prior experience includes underwriting complex home loans at JP Morgan Chase Bank and business loans at Capital One. Toy's expertise encompasses a wide range of loan types, including VA Jumbo loans, manual underwriting, and construction-to-permanent loans.