Compare conventional mortgage options with Phil Holguin, a mortgage broker based in Porterville, CA helping homebuyers and homeowners throughout California with purchase and refinance financing.
Phil Holguin, Sr. Loan Officer
Empower Home Loans
Phone: (559) 359-9785
Email: [email protected]
NMLS# 1763797
Company NMLS# 1729528
Licensed in: CA
Compare conventional mortgage options with Phil Holguin, a mortgage broker based in Porterville, CA helping homebuyers and homeowners throughout California with purchase and refinance financing.
LOAN PROGRAMS
The Flexible Choice
A conventional loan is a mortgage that is not insured or guaranteed by a government program. It can be a flexible option for many homebuyers and homeowners — and Phil can help you see whether it fits your goals.
Conventional financing can offer flexibility for a range of homebuying and homeownership goals.
Conventional financing is not one-size-fits-all. Phil can compare available loan options based on your goals, finances, property, and overall scenario — so you can choose a path that fits rather than a product that assumes everyone qualifies the same way.
Loan programs, terms, eligibility, and availability are subject to borrower qualification, property eligibility, lender requirements, and applicable program guidelines.
A simple overview of how PMI may work on a conventional loan.
Private mortgage insurance may apply when you finance a home with a smaller down payment. Whether PMI is required — and how it is structured — depends on the loan, the down payment, and lender guidelines.
Requirements and cancellation options vary by loan and servicer. Phil can help you understand how PMI may apply in your scenario and what options could be available later.
Explore your conventional loan options and find the financing path that fits your next move.