Ken D. Phillips
NMLS ID# 159635
Branch Partner - Sr. Loan Officer


4088 Commercial Way
Spring Hill, FL 34606


  • Licensed In: FL, TN, VA

I am a Branch Partner for ALCOVA Mortgage LLC, servicing clients throughout Florida, Tennessee, Georgia, and Virginia!  With over 18 years in the mortgage and finance industry after a successful and exciting career in law enforcement in California, I have a broad range of experience, and I specialize in everything from the first-time homebuyer to the savvy investor.  My team’s mission is to provide every client, regardless of loan size, an experience that is professional, comfortable, and as stress-free as possible.  My expectation is that every client, buyer’s agent, and listing agent is given nothing less than 5-star service throughout the transaction.  We strive to provide pro-active communication throughout the process to keep everyone up-to-date on the progress of their loan.  

I have been married to my beautiful wife Kim since 1986.  We have four children - Ben, Kristen, Bryan and Kelli.  Growing up in Brooksville, FL, I was so excited for the opportunity to move back to Hernando County in February 2016 and work in my home state of Florida after finishing my law enforcement career in California.  We continue to offer the same excellent service to our clients and referral partners in Tennessee that we have provided for the last 10 years.  I am also licensed in the states of Georgia and Virginia. When not working, I enjoy spending time with my family, hunting, fishing, and exploring in my Jeep Wrangler.


"To simplify the mortgage process and build long-term trust with every client."

ALCOVA Mortgage was founded in 2003, born out of a Passion to Serve!  Since inception we have helped over 15,000 borrowers reach their home financing goals.  We have over 40 offices located throughout the Eastern United States staffed by our professional and highly-trained team members, who on average have over 10 years each of mortgage industry experience!  We offer a broad product range that includes FHA, VA, USDA, Conventional, Manufactured Housing, Reverse Loans, Home Rehabilitation,  and an In-House Construction Product.  

Because residential mortgage loans have our full concentration and we treat every customer like family, our service levels are outstanding! Better than what you may find at a bank, credit union, or other financial institution.  We make it easy to do business with us— All of our initial consultations are done free of charge with no obligation.  We have several tools available to make your home loan experience as convenient to your schedule and lifestyle as possible, regardless if you prefer to work in-person, over the phone, or through the internet.  

Whether you are looking to refinance an existing mortgage for a lower payment, utilize equity in your home for an important purpose, or purchase a new home—we want to be your GO TO Lender!  If you have a challenging situation, we welcome the opportunity to work with you.  We are passionate problem solvers and our goal is quite simple — to help you reach yours.