About Phil Holguin | Porterville, CA Mortgage Broker

Meet Phil Holguin, a mortgage broker with Empower Home Loans in Porterville, CA. Learn about his approach to helping homebuyers, homeowners, and real estate investors throughout California.

Phil Holguin, Sr. Loan Officer

Empower Home Loans

Phone: (559) 359-9785

Email: [email protected]

NMLS# 1763797

Company NMLS# 1729528

Licensed in: CA

About Phil Holguin | Porterville, CA Mortgage Broker

Meet Phil Holguin, a mortgage broker with Empower Home Loans in Porterville, CA. Learn about his approach to helping homebuyers, homeowners, and real estate investors throughout California.

Meet Phil Holguin

More Than Just a Loan

What You Can Expect

Let's Talk About Your Goals

LOAN PROGRAMS

I'm Phil Holguin, a mortgage loan officer with Empower Home Loans. I believe getting a mortgage shouldn't feel confusing or transactional. My job is to help you understand your options, make sense of the numbers, and build a mortgage strategy that fits what you're trying to accomplish.

As a mortgage broker, I'm able to compare programs and pricing from multiple lenders rather than being limited to the products of a single bank. Whether you're buying your first home, moving up, refinancing, investing in real estate, or exploring down payment assistance, I'll help you understand the options available to you and what makes sense for your situation.

Phil Holguin

How I Work

For me, this business is about relationships, not transactions. Buying or refinancing a home can be one of the biggest financial decisions a family makes, and I want my clients to feel comfortable asking questions and understanding why we're choosing a particular strategy.

I work closely with my clients, real estate agents, and lending partners throughout the process so everyone knows what's happening and what comes next. My goal isn't simply to close a loan—it's to become someone you feel comfortable calling when you have a mortgage question years from now.

Clear communication, more choices, and a strategy built around your goals—not a one-size-fits-all rate sheet.

Whether you're ready to buy now or just starting to explore your options, I'm happy to have a conversation and help you figure out your next step.