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Phil Chavez

Senior Loan Officer

5100 East Main Street, Suite 115, Farmington, NM 87402
Own what matters

About Me

Hey everyone! My name is Phil. I have lived in Farmington basically my whole life and graduated from Farmington High. My wife and i met in high school and have been together ever since. We share 4 wonderful children and an amazing grandchild! For us, life has always been full of surprises, with lots of ups and downs. We have been together for almost 30 years now. I started originating loans with Legacy Mortgage in 2020 and I have been loving it! Throughout my life, I have always held a position where i was working with and helping customers. This is why I love my career. When I get to help people accomplish their goals and get them into their new home, whether it’s their first home or not, that is what I love. I work hard, with honesty and integrity, to help my customers! 

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Let’s find the right home loan for you

We have loan options to fit every situation, from down payment assistance programs for first-time homebuyers to government-sponsored programs for military families and rural residents or jumbo loans in high-cost markets.

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5.0 out of 5.0 stars
Dec 16, 2022

Right from the start , Phil Chaves is professional , respectful and courteous. Phil exceeded my expectation on the entire process on getting the loan and the paperwork involved done right and on time. I felt comfortable due to Phil’s personality and professionalism. The whole process was extremely smooth. Thank you Phil.
Feb 28, 2023

Phil was patient and thoroughly answered all of my questions, led me through each step.
Olivia W
Oct 17, 2022

Phil has been a blessing from start to finish with the process of buying my home! He goes above and beyond what you would expect. I walked into the idea of buying a house not having the slightest idea what I was doing. He is so very educational and helpful in every aspect. He will walk you through every step of the way. You will feel very comfortable and confident by the end of each day knowing Phil has everything under control and works so hard to get everything done with attention to detail and in an impressive timely manner! I would give him 100 stars if I could! Cannot say enough great things about him as a person, and professional in his area of expertise. I recommend Phil Chavez to everyone! Thanks Phil for everything you do!
Amy B
Sep 14, 2022

Phil was the best! He understood my situation and did everything he could to help me out. He constantly updated me on my refinance and helped me in any way he could. He went out of his way to make sure I got the best deal. He was so on top of things. I recommend him and Legacy Mortgage to anyone and everyone.
Perry C
Aug 08, 2022

From start to finish, Phil Chavez did a great job in helping us with the lending process in buying a home. He was informative, advised of our options, gave good recommendations, and truly showed that he cares! I saw a direct difference between the "big box" lender that the buyer of my former house used, versus us using Phil at Legacy. The big box lender gave my buyer a bunch of run-around and problems. Phil and Legacy were forward-thinking on the documentation I'd need to submit, making sure that the process went smoothly and without issues. Plus we were coming from out of state! I would recommend Phil and Legacy Mortgage any day. Thanks Phil!
Feb 28, 2023

Phil Chavez did a fantastic job through out. Thorough, clear in communication and always friendly. Thank you!!

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NMLS ID #2041605
I am authorized to do business in the state of New Mexico.