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.
Ken and his team were so great throughout this process and worked very hard to get our loan closed. Would definitely use him again!
Mike & Carie M.
We are clients and friends of Ken Phillips. Ken has helped us refinance our home 2 times since we moved to Knoxville. He did an excellent job both times. He is a very hard worker and very professional. He stays in touch with us as a friend and with information about possible refinance opportunities. He has earned our trust and made the loan process fairly painless and understandable. We have relied on him in the past and will continue to in the future.
Paul & Susan G.
We just wanted to take this moment to thank you and in particular, Ken Phillips, for providing us with outstanding service and guidance during our recent new home purchase. Ken did a great job explaining to us all the mortgage options and programs available to us. He assisted us in obtaining the best rate and closing costs, recommended a great title company to finalize the transaction, and guided us through the overall process with patience and professionalism. His experience and customer service was extremely valuable and appreciated. We will certainly use his services again in the future and refer our friends and family to Ken.
I just wanted to tell you again, thank you so much!! You really made things happen with my house when I had lost all faith. I am so thankful for the opportunity you have given me to be a home owner!
I feel I was well assisted along my loan process for a rural property with quick responses to any questions. Also, followed up after closing to resolve an escrowed funds issue promptly.
Great lender to work with! Low rates, fast service, no hiccups in the process. Entire process from application for pre-approval to closing was smooth and efficient. Highly recommended!
Ken was very helpful and returned calls in a timely manner. I would recommend him to anyone going though the process of becoming a home owner. He is a very knowledgeable person and will take the time to explain things to you.
Working with Ken and his team was wonderful. As a woman buying a house on my own and from out of state I always felt I was treated fairly and with respect. When questions came up those questions were answered in depth and in a timely manner. They were with me every step of the way, helping me and giving encouragement. I was so glad to have them recommended to me and will use them again in the future.
From the start of the mortgage process until the closing, Ken Phillips and his team were very attentive to my needs in financing my new home. They made themselves available as needed and did a fantastic job in keeping me informed throughout the process. It was a pleasure working with both Ken & Kim Phillips and the ALCOVA Mortgage team.
Ken always got back to me right away when I had a question. I had several questions being a first time buyer. Ken took his time to explain the answers to any questions I had. I would highly recommend his services.
I would highly recommend ALCOVA Mortgage to everyone, they stayed in contact with everyone involved on a regular basis. All emails and phone calls were answered either immediately or very soon after the contact. Everybody that I had contact with there, made you feel that you were the only client that they were working with. This is the fourth house that I have bought, and it has been, by far, the best service and actually an enjoyable experience.
Ken, Kim, Kelley and all all of the ALCOVA staff were extremely professional and courteous through the entire process. Their responsiveness was top notch. Knowledge concrete. Helpful through the entire process. Compete follow through all the way to the closing. I would highly recommend Ken and ALCOVA to everyone.
Ken Phillips and his team were very timely in responding to any questions or concerns I had. They were very professional and made the closing a comfortable experience. I would definitely recommend him!
They are great awesome people to go through for a house loan. They helped me out a lot on getting another chance to buy a house. They would call and let me know how the loan process was going and if they needed any other information they would call me.
Ken is amazing to deal with. I could not have asked for a better loan agent. We closed our loan in two weeks, way before scheduled. Everything Ken told us matched the numbers on the paperwork. I highly recommend Ken and his team. They are the best.
Ken, from the beginning of our first encounter, was very knowledgeable about the loan process. He did everything timely and professionally. He kept us informed and was so nice. We were very satisfied with Ken Phillips and ALCOVA. We recommend him to anyone who mentions buying a house!
Process was explained thoroughly to me, and the procedure went well. The home purchased was exactly what I wanted, and I would like to thank you all for your efforts.
Ken handled my original home mortgage loan as well as a refinancing. As a first time homebuyer, I was intimidated by the process to say the least. Ken broke down each step and thoroughly answered my questions to bring me up to speed. He attended my closing personally, and his dedication and knowledge were nothing short of exceptional. When a market change made a refinance a smart decision for me, Ken was in contact immediately and was every bit as thorough as he had been during my first loan origination. He ended up greatly reducing my monthly payment. The attention to detail on the part of Ken and his team make loan origination as pain free as possible and ensure that your loan is still the best loan for you 1, 5, or 10+ years later. I would highly recommend his services to any prospective buyer or current homeowner looking to refinance.
Ken helped me through the entire process for purchasing my house. I did not know anything about what to do and he educated me through each step. I was referred to him by a friend who had nothing but great things to say about his experience with Ken. When first speaking with Ken he explained to me the process and made it sound so much easier than everyone else. He made the process just as easy as it sounded. I checked around with other people and he was still able to get me the best deal and take care of everything in just weeks. We closed on my house as soon as I found one. I was moving in before I had to pay another month in rent. Ken really helped me to get everything done timely and was very professional.
Ken was very thorough and conscientious. He even brought the title agency to my house for the close. I would definitely recommend him and his organization to a friend.
Great Mortgage company!!! Very professional and a seamless process. Ken and his staff worked hard and was able to close on time. I would highly recommend ALCOVA for all your mortgage needs.
Ken and his team was easily available when I needed questions answered. Fast and professional. My 3rd home loan with Ken. I wouldn't think of going anywhere else! He was very knowledgeable about FHA and conventional loans and guided me through the process to pick the loan that was right for me.
The experience I had working with them to close on our first home was great. They were very professional and well trained team! Very helpful and always available when needed.
Very professional group to work with. Ken even drove two hours to be at our closing. Ken was always Very responsive to our needs and answered all our questions in a timely manner.
This is the 3rd home loan that Ken has done for us. He has been great to work with. Responsive, knowledgeable, respective, and most importantly honest. We have never come to a closing with surprises. Thanks and Ken and Kim for all your hard work.
Ken jumped through more hoops than I knew existed when it came to transferring from a construction loan to a permanent. The banks requests kept getting more and more insane and delayed the process many weeks but Ken kept on it and made sure that all the info was supplied and finally got the loan to go through. This was AFTER the bank that did the construction could not get our loan approved.
I would like to thank the Ken Phillips team for making the mortgage process as painless as possible. Their courteous and professional attitude removed the stress and made our experience a pleasant one.
Ken was great! Five days before closing, we had something come up with my spouse that could have ended the deal. I was frantically rushing to get documents signed, and he seemed (at least mostly) confident. If he hadn't take such an interest in us, there is no way we would have pulled off this last minute snafu. We will always appreciate that!
Ken was extremely helpful with my home finance and made the process as seamless as possible. I would highly recommend Ken! He was caring and honest and got the job done in a timely manner.
Ken and team were very friendly and easy to work with. I felt my best friend was helping us through the mortgage process to purchase our new home. I could call at anytime and talk to him about the process with any question hes response was always friendly and courteous.
Ken worked very hard to assist my clients with the best loan possible. We encountered challenges that could have prevented closing, but with Ken's knowledge we were able to make it to the closing table. My clients and I were both very pleased.
Ken provided excellent service to help close this purchase. He was responsive and attentive to the buyer's and agent's needs. I will use Ken again. He gets things done!
When all others say no, Ken will get the job done. We have had several clients that were told by some other lender but I suggested Ken to them and they are all now happy homers. Their loan may take a little longer to close but he will get closed. No loan is too impossible for Ken. Thank you Ken for making my clients happy Homeowners.
We were looking for a mortgage on a vacation home. Ken put together a very nice presentation detailing rates, time frames, closing costs, all those things that encompass buying a house. Ken was very responsive to our needs. Ken is very knowledgeable about all facets of the mortgage industry. Although we decided not to buy that property, Ken has kept in touch and has offered to run new numbers for us in the event we start looking at other properties. We will definitely continue to use Ken for all of our mortgage needs.
Ken was great from the beginning with his product knowledge and directed me and my wife to the perfect loan. This was my 3rd loan with Ken and his team. He does what he says!
My husband and I were having a hard time getting a loan. We had good credit, but life had left us with a lot of sticky details that other lenders had told us would be too difficult to over come. We were told no by several lenders simply because our situation was not typical. A realtor referred Ken because he had "saved" one of her customers. When we called Ken, he said our situation was not an easy one, but he would be happy to tackle it. He went above and beyond to make our dream a reality. He called when he didn't have to and sent reassuring emails when I thought all was lost. His patience, knowledge, and understanding paid off when we closed on our dream home. Ken is a true professional with a kind heart. Highly recommended!!!
Ken does a great job! He will take your call day or night. If he tells you the loan will close you have bought a home. Also he is very professional with a friendly personality. You can't go wrong.
Loved working with Ken and Kim! Thank you for making this home purchase easy, convenient and almost pain free! I will recommend everyone to you guys!
Alcova Mortgage made the process very quick and simple. Ken and Kim Phillips were very helpful and made the process go quickly. The whole process only took six week!
Everything was perfect. The service was great and they did a great job of making everything as smooth as possible. Would recommend them to anyone!
Ken and his team were very professional. Never have I had such service and commitment for anything. Every step and detail was addressed in a timely manner. I will forever recommend ALCOVA to anyone who needs a mortgage!
Stacey Zasimovitch Zasimovitch
I have forwarded your information to a few friends and family members already. Thank you so much for making my first purchase so smooth.
Thank you for answering ALL of our questions, even the repetitive ones, as first-time home buyers!
Extremely wonderful, very easy to work with and very positive! He made sure we were doing all the correct steps towards getting the house. He always informed us of any new or changing things. Always there for support when needed.
When I tell you that I had no idea what I was stepping into when building my first home, I would be making a complete understatement. I had no idea what all went into the biggest purchase in my life up to this point. So I completely walked blindly into the light and on the other side was the ALCOVA Super Team! Ken Phillips and his team are unbelievable. Our Realtor had no interest whatsoever in assisting us through this process but Ken and his Super Team had no problem answering my calls whenever I would call them. They never got frustrated with the questions I asked. They were absolutely the most helpful and dedicated team that I have worked with in any purchase that I have ever made! Frank and Kim both always made sure to get back to me with accurate information as quickly as they could. If it were not for this group I would not be enjoying my brand new home! I am so blessed and hope to keep Ken and his team close for I would never use any other group when purchasing a home! No matter if you have bought 5 houses or are looking for your first home, contact these guys if you want to deal with pro's that put their customers before anything else!
Always went above and beyond to answer questions and explain everything! Very personable and understanding, and they did everything they could to make the process smooth and stress free! :)
We would like to thank you all for everything. For us being a first-time home buyer, I have to say you all made it a very smooth transition throughout the whole process from start to finish. We are very pleased with the professionalism and the quick responses to any questions we had. We will definitely be sending our friends to you. It has been a great pleasure working with you on our house buying. Thank You for making our Dream a Reality. God Bless.
Everything was great. The process was smooth and easy and Ken's team was extremely easy to work with. The appraisal on my home came back at less than my offer and Ken's team changed everything on the fly and still closed me on time. I WOULD RECOMMEND THEM TO ANYONE LOOKING FOR A MORTGAGE.
Kenneth and Kim at ALCOVA were extremely helpful throughout our home buying process. We had a bad experience with a previous lender and ALCOVA saved the day. They were informative and responsive every step of the way.
Ken and his staff were great. Everything was explained and even the hiccups were smoothed out. The loan was swift and was done in a crunch time month February.
Ken and his team, Kim and Thomas, gave every attention to detail which made the process from application to close the smoothest transaction possible! Will recommend ALCOVA to all of my friends.
Ken was great to work with. He was extremely helpful and always on task. He called every day to let us know our mortgage was moving forward. He even helped with our credit issues. He pointed us in the right direction and got our loan closed. I recommend him to anyone who wants an A+ person to help with a mortgage.
So I have bought 3-4 houses in my life. It is always difficult for me as I find the mortgage industry to be a lot like the used car industry... Everyone has a line and everyone is the cheapest. I met Ken and his wife Kim and immediately knew they were different. He showed me the numbers, spent time going over them with me and answered every question honestly. He also had the best rates after shopping around. When he did not know the answer, he said "Let me find out" and that is exactly what he would do. Although I hope that I won't be moving again for a while, it is great that I have found a lender who I can trust and is knowledgeable about the process. I will absolutely use him in the future and have already recommended them to my friends. With Ken, you feel like you have a friend in the mortgage industry, instead of a mortgage guy trying to be your friend!
He qualified me on a weekend. The paperwork was emailed and easy to complete. We were able to close in 33 days which was wonderful. I would highly recommend this service.
Ken was absolutely fantastic! He kept in contact with you on a constant basis through out the entire process. If you had any issues he immediately handled the situation in a professional manner and solved them. His wife Kim is amazing and made you feel like family. The process can be stressful, but Ken & Kim made it great! Highly recommended!
No matter what I needed, Ken and his wife were always on call!! I never had to worry about any issues, and they made everything quick and painless for this first-time home buyer!! They were extremely understanding when I hit snags along the way and help me fix them! Definitely an awesome group!!
I would definitely recommend you call Ken Phillips to get a loan. We had a difficult situation, and he helped us out greatly. We are now living in our new home and loving life. Super people - give them a call - highly recommend.
Ken did a refinance loan for us and did an outstanding job! We had been quoted rates by another lender, and Ken was recommended to us by a family member who had also used him for their refinance. We were very impressed by Ken’s knowledge and his willingness to compare different loan programs and give us enough information that we could then choose which loan was best for us. His rate was lower than the other lender had quoted us, and his fees were much less than what we had been quoted. We were pleasantly surprised when we got to the title company to close and found that the fees he had quoted us on the initial application were actually less and the rate was exactly what we were told. I would recommend Ken to anyone looking to refinance or purchase a home. We found him to be professional, honest and trustworthy and will use him and his team again in the future.