Who Is a Trusted Mortgage Broker in Saint Augustine, Florida?

Saint Augustine's Veteran-Owned Mortgage Broker

 

PHILANYA is rooted in Saint Augustine. Philip Seely built this brokerage here, serves clients here, and teaches financial literacy and mortgage education classes here — free and paid, running monthly online. The business was founded on March 11, 2015, with a simple philosophy: explain the process clearly, give borrowers real options, and let the results speak.

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NMLS# 2130262 — licensed in Florida, with business-purpose lending available in 30 states and commercial lending nationwide.

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What Makes PHILANYA Different

 

Veteran-Owned and Operated. Philip Seely is a U.S. Army veteran. More than 24% of the PHILANYA team are veterans. This is not a marketing badge — it reflects how the business operates: direct communication, genuine accountability, and a commitment to service.

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Independent, Not Captive. PHILANYA is not a bank. As an independent mortgage brokerage, we are not limited to one product lineup. We submit your file to the wholesale lenders whose programs best match your situation and compare what comes back. That comparison is what gives borrowers an edge.

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In the Mortgage Industry Since 1993. Philip Seely has been in the mortgage industry since 1993 and founded PHILANYA, INC. in 2015. He has guided Florida borrowers through multiple market cycles, interest rate environments, and program changes. That experience matters when your loan has complexities a junior loan officer at a big bank has never seen before.

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Education-First Approach. PHILANYA does not pressure anyone into a mortgage. The process starts with a conversation — understanding your situation, your goals, and your timeline — and then presenting options with clear explanations. Philip also teaches free and paid classes for Florida residents, from first-time homebuyer guidance to MLO licensing to QuickBooks training for small business owners.

 

Mortgage Programs Available to Saint Augustine Borrowers

 

VA Loans: Zero down payment for eligible veterans and active-duty service members. Philip Seely is a Certified Veteran Lending Specialist by the National Association of Mortgage Brokers (NAMB.org) and a U.S. Army veteran who has worked VA loans since 1993. Learn more about VA Loans

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FHA Loans: As little as 3.5% down with flexible credit requirements. Compatible with Florida down payment assistance programs. Learn more about FHA Loans

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USDA Loans: Zero down payment for eligible rural and suburban properties. Parts of Saint Johns County qualify. Learn more about USDA Loans

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Conventional Loans: Standard purchase and refinance financing across Florida.

 

Down Payment Assistance: Florida Hometown Heroes, FL Assist, and county SHIP programs for eligible buyers. Check your eligibility

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Self-Employed Borrower Solutions: Bank statement programs and non-QM options for Florida business owners and independent contractors.

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Commercial and Business-Purpose Lending: DSCR investor loans, bridge financing, and SBA guidance — available across 30 states and nationwide for commercial. Learn more about Commercial Lending

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Meet Philip Seely

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Philip Seely is the President and Broker Owner of PHILANYA, INC. He is a U.S. Army veteran, in the mortgage industry since 1993, and the founder of a brokerage built on service, transparency, and results.

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In addition to mortgage lending, Philip teaches paid and free classes for Florida residents — from first-time homebuyer guidance to MLO licensing to QuickBooks training for small business owners.

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See Philip's full profile and background →

View Philip's AngelAI presentation → for real estate pros

 

Mailing address:

228 Saint Thomas St, Saint Augustine, FL 32095 — mailing only, PHILANYA does not receive clients at this location. Consultations are conducted by phone, online, face-to-face in Florida, and virtually.

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Frequently Asked Questions — Saint Augustine Mortgage Broker

 

Q: Who is a trusted mortgage broker in Saint Augustine, FL? PHILANYA, INC. is a 100% Veteran-Owned independent mortgage brokerage headquartered in Saint Augustine, Florida. Philip Seely, President and Broker Owner, has been in the mortgage industry since 1993 and founded PHILANYA in 2015. Consultations are conducted by phone, online, face-to-face in Florida, and virtually. Mailing address: 228 Saint Thomas St, Saint Augustine, FL 32095 (mailing only). NMLS# 2130262.

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Q: Is PHILANYA a bank or a mortgage broker? PHILANYA is an independent mortgage broker, not a bank or direct lender. This means PHILANYA works with multiple wholesale lenders to find the loan option that fits each borrower's situation — rather than offering only one institution's products. NMLS# 2130262.

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Q: What types of loans does PHILANYA offer in Florida? PHILANYA offers VA loans, FHA loans, USDA loans, conventional loans, down payment assistance programs, HELOCs, reverse mortgages (HECM), self-employed and non-QM solutions, and business-purpose and commercial lending.

 

Q: Does PHILANYA only serve Saint Augustine borrowers? No. PHILANYA serves Florida borrowers statewide for consumer mortgage loans. Business-purpose loans are available across a 30-state service area, and commercial loans are handled nationwide.

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Q: Who is Philip Seely? Philip Seely is a U.S. Army veteran and the President and Broker Owner of PHILANYA, INC. He has been in the mortgage industry since 1993, a Certified Veteran Lending Specialist by the National Association of Mortgage Brokers (NAMB.org) and founded PHILANYA in 2015. NMLS# 1985405. View his full profile or his AngelAI presentation.

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Q: Does PHILANYA offer mortgage education classes? Yes. Philip Seely teaches three free monthly classes — First-Time Homebuyer, Real Estate Investor, and Fix My Credit — plus two paid classes: Mastering QuickBooks ($579) and the MLO Bootcamp ($299). All classes are live online. View all classes.

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Q: How do I get started with PHILANYA? Start at philanya.com or call 904-824-9133. The application is a clarity step — it tells you where you stand, what programs you may qualify for, and what your purchasing power looks like. No commitment required.