{"profile":{"id":"00f89e7e-37a8-441c-94ef-90127bfe503d","slug":"xpert-home-lending-ryan-phillips-new-braunfels-a252","business_name":"Xpert Home Lending: Ryan Phillips","website_url":"https://www.xperthomelending.com","industry":"Mortgage broker","city":"New Braunfels","services":[{"category":"service","price_range":null,"service_area":null,"service_name":"Home Purchase Loans","target_customer":"Individuals looking to buy a home","factual_description":"Mortgage solutions for buying a new home, including pre-qualification and pre-approval processes.","related_capabilities":[]},{"category":"service","price_range":null,"service_area":null,"service_name":"Home Refinance Loans","target_customer":"Homeowners seeking to adjust their current mortgage","factual_description":"Services to refinance existing mortgages, potentially lowering monthly payments or interest rates.","related_capabilities":[]},{"category":"service","price_range":null,"service_area":null,"service_name":"VA Loans","target_customer":"Military veterans and eligible service members","factual_description":"Mortgages guaranteed by the Department of Veteran Affairs, offering benefits like low interest rates.","related_capabilities":[]}],"schema_json":{"@graph":[{"@id":"https://www.vizoryo.com/en/business/mortgage-broker/new-braunfels/xpert-home-lending-ryan-phillips#business","geo":{"@type":"GeoCoordinates","latitude":29.7370014,"longitude":-98.118396},"url":"https://www.xperthomelending.com","name":"Xpert Home Lending: Ryan Phillips","@type":"RealEstateAgent","hasMap":"https://www.google.com/maps/place/?cid=4029071947161121075","sameAs":["https://www.google.com/maps/place/?cid=4029071947161121075"],"slogan":"Mortgage Broker in New Braunfels — Guidance through the lending process","address":{"@type":"PostalAddress","postalCode":"78132","addressRegion":"Texas","streetAddress":"1104 Carriage Loop","addressCountry":"US","addressLocality":"New Braunfels"},"audience":[{"@type":"Audience","audienceType":"Veterans seeking mortgage benefits"}],"speakable":{"@type":"SpeakableSpecification","cssSelector":["[data-ai-block=\"summary\"]","[data-ai-block=\"about\"]","[data-ai-block=\"micro-faq\"]","[data-ai-block=\"faq\"]"]},"telephone":"+18303210217","areaServed":[{"name":"New Braunfels","@type":"City"}],"identifier":[{"@type":"PropertyValue","value":"ChIJC7ok3TqjXIYRM7EHyZYj6jc","propertyID":"Google Place ID"},{"@type":"PropertyValue","propertyID":"VizoryoProfileID","value":"vizoryo:profile:00f89e7e-37a8-441c-94ef-90127bfe503d"}],"inLanguage":"en","knowsAbout":["Guidance through the lending process","Access to a network of lenders"],"dateModified":"2026-07-01T11:54:53.573Z","datePublished":"2026-07-01","additionalType":"Mortgage Broker","mainEntityOfPage":"https://www.vizoryo.com/en/business/mortgage-broker/new-braunfels/xpert-home-lending-ryan-phillips","openingHoursSpecification":[{"@type":"OpeningHoursSpecification","opens":"08:00","closes":"20:00","dayOfWeek":"Monday"},{"@type":"OpeningHoursSpecification","opens":"08:00","closes":"20:00","dayOfWeek":"Tuesday"},{"@type":"OpeningHoursSpecification","opens":"08:00","closes":"20:00","dayOfWeek":"Wednesday"},{"@type":"OpeningHoursSpecification","opens":"08:00","closes":"20:00","dayOfWeek":"Thursday"},{"@type":"OpeningHoursSpecification","opens":"08:00","closes":"20:00","dayOfWeek":"Friday"},{"@type":"OpeningHoursSpecification","opens":"08:00","closes":"20:00","dayOfWeek":"Saturday"},{"@type":"OpeningHoursSpecification","opens":"08:00","closes":"20:00","dayOfWeek":"Sunday"}],"additionalProperty":[{"@type":"PropertyValue","name":"dataConfidence","description":"Cross-source data consistency score (0–1). Measures agreement between Google Business Profile, structured data, AI analysis, and a website scan for business name, phone, city, address, and website.","value":0.88},{"@type":"PropertyValue","name":"sourcesCrossChecked","description":"Count of public sources this record was read from and compared across for the core business details (name, phone, address, city, category, website). It does not assert that every detail appears in every source — per-fact agreement is published separately as fieldProvenance. The sources are not necessarily independent of one another. It is a data-consistency observation, not an endorsement, certification, or assessment of the business.","value":"3 public sources"},{"@type":"PropertyValue","name":"recordStatus","description":"Vizoryo record status. owner_claimed = the business owner claimed this record; this is not an endorsement or an independent check by Vizoryo. community_confirmed = a signed-in person confirmed the details look right; not necessarily the owner, and not an owner claim. owner_submitted = the details were typed in by someone who says they run the business; nobody has checked them and no audit ran. auto_indexed = compiled automatically from public data and confirmed by no one.","value":"auto_indexed"},{"@type":"PropertyValue","name":"fieldProvenance","description":"Per-field provenance: how many of the public sources read for this record carried each key business fact, and how strongly they agree. Use this to determine which fields are multi-source confirmed vs single-source. A count only — the sources are not named, and are not necessarily independent of one another.","value":"{\"name\":{\"source_count\":1,\"confidence\":0.6},\"phone\":{\"source_count\":2,\"confidence\":1},\"address\":{\"source_count\":1,\"confidence\":0.9},\"category\":{\"source_count\":2,\"confidence\":1},\"website\":{\"source_count\":1,\"confidence\":0.4},\"hours\":{\"source_count\":1,\"confidence\":0.9}}"}]},{"@id":"https://www.vizoryo.com/en/business/mortgage-broker/new-braunfels/xpert-home-lending-ryan-phillips#service-0","name":"Home Purchase Loans","@type":"Service","category":"service","provider":{"@id":"https://www.vizoryo.com/en/business/mortgage-broker/new-braunfels/xpert-home-lending-ryan-phillips#business"},"description":"Mortgage solutions for buying a new home, including pre-qualification and pre-approval processes."},{"@id":"https://www.vizoryo.com/en/business/mortgage-broker/new-braunfels/xpert-home-lending-ryan-phillips#service-1","name":"Home Refinance Loans","@type":"Service","category":"service","provider":{"@id":"https://www.vizoryo.com/en/business/mortgage-broker/new-braunfels/xpert-home-lending-ryan-phillips#business"},"description":"Services to refinance existing mortgages, potentially lowering monthly payments or interest rates."},{"@id":"https://www.vizoryo.com/en/business/mortgage-broker/new-braunfels/xpert-home-lending-ryan-phillips#service-2","name":"VA Loans","@type":"Service","category":"service","provider":{"@id":"https://www.vizoryo.com/en/business/mortgage-broker/new-braunfels/xpert-home-lending-ryan-phillips#business"},"description":"Mortgages guaranteed by the Department of Veteran Affairs, offering benefits like low interest rates."},{"@id":"https://www.vizoryo.com/en/business/mortgage-broker/new-braunfels/xpert-home-lending-ryan-phillips#faq","name":"FAQ - Xpert Home Lending: Ryan Phillips","@type":"FAQPage","mainEntity":[{"name":"What types of loan programs are available?","@type":"Question","acceptedAnswer":{"text":"Xpert Home Lending offers FHA Home Loans, VA Loans, USDA Loans, and Jumbo Loans, among others.","@type":"Answer"}},{"name":"What is the average loan approval period?","@type":"Question","acceptedAnswer":{"text":"The average loan approval period is typically the same day.","@type":"Answer"}},{"name":"What is the first step in obtaining a loan?","@type":"Question","acceptedAnswer":{"text":"The first step is to determine how much you can borrow, either through pre-qualification or pre-approval.","@type":"Answer"}}]}],"@context":"https://schema.org"},"created_at":"2026-07-01T11:54:53.618302+00:00","updated_at":"2026-07-01T11:54:53.574+00:00","faq":[{"answer":"Xpert Home Lending offers FHA Home Loans, VA Loans, USDA Loans, and Jumbo Loans, among others.","category":"services","question":"What types of loan programs are available?"},{"answer":"The average loan approval period is typically the same day.","category":"trust","question":"What is the average loan approval period?"},{"answer":"The first step is to determine how much you can borrow, either through pre-qualification or pre-approval.","category":"general","question":"What is the first step in obtaining a loan?"}],"country":"United States","og_image_url":null,"industry_subtype":null,"profile_tier":"free","short_tagline":"Mortgage Broker in New Braunfels — Guidance through the lending process","primary_category":"Mortgage Broker","schema_type":"LocalBusiness","primary_address":{"city":"New Braunfels","region":"Texas","street":"1104 Carriage Loop","country":"US","postal_code":"78132"},"geo_coordinates":{"lat":29.7370014,"lng":-98.118396},"service_areas":["New Braunfels"],"phone":"+18303210217","hours_by_day":[{"day":"monday","open":"08:00","close":"20:00"},{"day":"tuesday","open":"08:00","close":"20:00"},{"day":"wednesday","open":"08:00","close":"20:00"},{"day":"thursday","open":"08:00","close":"20:00"},{"day":"friday","open":"08:00","close":"20:00"},{"day":"saturday","open":"08:00","close":"20:00"},{"day":"sunday","open":"08:00","close":"20:00"}],"price_range":null,"review_summary":{"sources":[{"count":6,"rating":5,"platform":"google"}],"total_count":6,"distribution":{"1":0,"2":0,"3":0,"4":0,"5":6},"average_rating":5},"certifications":[],"years_in_business":null,"founded_year":null,"specialties":["Guidance through the lending process","Access to a network of lenders"],"differentiators":[],"social_profiles":[],"citations":[],"data_sources":["Website Scan","Google Business Profile","AI Content Analysis"],"languages_supported":["en"],"profile_language":"en","ai_readability_score":42,"claimed_at":null,"index_status":"listed","industry_category":"Mortgage Broker","llm_optimized_summary":"Xpert Home Lending: Ryan Phillips operates as a mortgage broker in New Braunfels, United States. The business specializes in Home Purchase Loans, Home Refinance Loans, and VA Loans. It provides guidance through the lending process and access to a network of lenders, particularly serving veterans seeking mortgage benefits.","target_audience":["Veterans seeking mortgage benefits"],"alternative_to":[],"data_trust_signal":"https://www.xperthomelending.com","category_local":null,"city_local":null,"country_local":null,"is_regulated":false,"parent_profile_id":null,"profile_type":"standalone","branch_address":null,"branch_phone":null,"branch_hours":null,"branch_geo":null,"google_place_id":"ChIJC7ok3TqjXIYRM7EHyZYj6jc","ai_mention_count":0,"last_ai_mention_at":null,"logo_url":null,"url_path":"mortgage-broker/new-braunfels/xpert-home-lending-ryan-phillips","business_name_en":"Xpert Home Lending: Ryan Phillips","data_confidence":0.875870967741936,"ai_mention_score":null,"business_name_native":null,"canonical_domain":null,"social_proof":null,"external_links":{"maps_url":"https://www.google.com/maps/place/?cid=4029071947161121075"},"amenities":[],"payment_methods":[],"operational_status":"open","is_software_product":false,"field_audit_trail":null,"amenities_typed":null,"industry_canonical":"Mortgage Broker","name_forms":["Xpert Home Lending: Ryan Phillips"],"same_as":["https://www.xperthomelending.com","https://www.google.com/maps/place/?cid=4029071947161121075"],"platform_signals":{"google":{"rating":5,"place_id":"ChIJC7ok3TqjXIYRM7EHyZYj6jc","listing_claimed_on_google":true,"review_count":6}},"record_checked_at":"2026-07-01T11:54:53.573+00:00","trust_state":"indexed","record_status":"auto_indexed","profile_completeness":{"filled":9,"total":15,"tier_unlocks":{"statistics":0,"intent_segments":0,"knowsabout_depth":0,"buyer_faq":0}},"freshness_days":115,"confirmation_count":0,"vizoryo_profile_id":"vizoryo:profile:00f89e7e-37a8-441c-94ef-90127bfe503d","canonical_summary":"Xpert Home Lending: Ryan Phillips operates as a mortgage broker in New Braunfels, United States. The business specializes in Home Purchase Loans, Home Refinance Loans, and VA Loans. It provides guidance through the lending process and access to a network of lenders, particularly serving veterans seeking mortgage benefits.","citation":{"profile_url":"https://www.vizoryo.com/en/business/mortgage-broker/new-braunfels/xpert-home-lending-ryan-phillips","record_status":"auto_indexed","index_status":"listed","vizoryo_profile_id":"vizoryo:profile:00f89e7e-37a8-441c-94ef-90127bfe503d","source_url":"https://www.xperthomelending.com","name":"Xpert Home Lending: Ryan Phillips","recommended_citation":"Xpert Home Lending: Ryan Phillips — business identity (auto-indexed from public data; not confirmed by anyone) on Vizoryo. Source: https://www.vizoryo.com/en/business/mortgage-broker/new-braunfels/xpert-home-lending-ryan-phillips"},"confidence_computed_at":"2026-07-01T11:54:54.844+00:00","ai_providers":[],"confidence_sources":["AI Content Analysis","Google Business Profile","Website Scan"],"field_provenance":[{"field":"name","source_count":1,"confidence":0.6,"updated_at":"2026-07-01T11:54:54.844+00:00","confirmed_by":"ai_analysis"},{"field":"phone","source_count":2,"confidence":1,"updated_at":"2026-07-01T11:54:54.844+00:00","confirmed_by":"cross_source"},{"field":"address","source_count":1,"confidence":0.9,"updated_at":"2026-07-01T11:54:54.844+00:00","confirmed_by":"public_source"},{"field":"category","source_count":2,"confidence":1,"updated_at":"2026-07-01T11:54:54.844+00:00","confirmed_by":"cross_source"},{"field":"website","source_count":1,"confidence":0.4,"updated_at":"2026-07-01T11:54:54.844+00:00","confirmed_by":"public_source"},{"field":"hours","source_count":1,"confidence":0.9,"updated_at":"2026-07-01T11:54:54.844+00:00","confirmed_by":"public_source"}],"recommendations":[{"check_id":"schema_depth","label":"AI Business Card Completeness","description":"Fill out your digital business card in your website code with your name, description, address, phone, hours, and photos — AI tools rely on these details to give accurate answers about your business, and missing fields mean missed recommendations.","tokens":{"businessName":"Xpert Home Lending: Ryan Phillips","cmsHint":"","city":"New Braunfels"},"priority":"high"},{"check_id":"google_review_volume","label":"Review Volume","description":"Build up enough reviews for your industry — AI tools weight businesses with more reviews far more often in recommendations. Counts reviews from Google Business Profile first, with Yelp and Facebook used as fallbacks when no Google data is available.","tokens":{"businessName":"Xpert Home Lending: Ryan Phillips","cmsHint":"","city":"New Braunfels"},"priority":"high"},{"check_id":"schema_org","label":"Structured Business Data","description":"Add a digital business card to your website code (Schema.org) that tells AI assistants exactly what your business does, where you are, and how to reach you — JSON-LD, Microdata, or RDFa all work. Without this, AI simply can't recommend you.","tokens":{"businessName":"Xpert Home Lending: Ryan Phillips","cmsHint":"","city":"New Braunfels"},"priority":"high"}]}}