Phil Holguin, Sr. Loan Officer at Empower Home Loans
About
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.
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- { window.open('https: Meet Phil Holguin 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. {(branding.nmls || branding.companyNmls) && ( )} How I Work More Than Just a Loan 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. What You Can Expect Clear communication, more choices, and a strategy built around your goals—not a one-size-fits-all rate sheet. Let's Talk About Your Goals 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. Schedule a Call window.open('https: className="px-8 py-4 rounded-lg text-lg font-medium transition-all duration-200 flex items-center justify-center active:translate-y-[1px] hover:bg-white/5" style= > Get Pre-Approved
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