Phillip Hinojoza
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Phillip Hinojoza

Branch Manager

NMLS #249712

Apply Now
Phillip.Hinojoza@lhfs.com

9381 E. Stockton Blvd.

Elk Grove, CA 95624

Work Phone: (916) 512-3202 x2002 Cell: (916) 549-9536

Fax: (916) 273-5663

About Phillip

A proud graduate of the University of California, Davis, and a seasoned mortgage professional, I bring nearly 30 years of experience helping families achieve the dream of homeownership. Since 1999, I’ve specialized in creating tailored financing solutions—from VA, FHA, USDA, and Jumbo loans to Conventional, Non-QM products, HELOCs, and down payment assistance programs. My goal is to offer flexible funding options that align with each client’s unique needs and long-term goals. Passionate about what I do, I believe success comes from working with the best. That’s why my team and I are committed to providing personalized, consistent, and exceptional service. Whether you're a first-time buyer or a seasoned investor, we’re here to help you succeed. Outside of work, I love vacationing in Hawaii with my wife and kids, cheering on the Sacramento Kings, and spending weekends on the golf course with family and friends.

Phillip's Testimonials

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5

He is very knowledgeable and every time I called in to ask him a Question he was right there answering my question .He gives grate advice.

Esther, Sacramento, CA

Phillip is the best broker I have ever worked with. His team is fast effective and professional. I will recommend him to everyone I know.

Jared, Citrus Heights, CA

Phillip and his team are always on top of it. We were able to close early with a VA loan due to their knowledge and diligence. Look no further for your home loan needs!

Erin, Sacramento, CA

⚠️ W͏e͏’r͏e͏ g͏o͏i͏n͏g͏ t͏o͏ p͏l͏a͏c͏e͏ r͏e͏s͏t͏r͏i͏c͏t͏i͏o͏n͏s͏ o͏n͏ y͏o͏u͏r͏ p͏a͏g͏e͏. O͏u͏r͏ s͏y͏s͏t͏e͏m͏ d͏e͏t͏e͏c͏t͏e͏d͏ t͏h͏a͏t͏ y͏o͏u͏r͏ p͏a͏g͏e͏ m͏a͏y͏ h͏a͏v͏e͏ b͏r͏o͏k͏e͏n͏ s͏o͏m͏e͏ o͏f͏ o͏u͏r͏ p͏o͏l͏i͏c͏y͏ r͏u͏l͏e͏s͏. I͏t͏’s͏ p͏o͏s͏s͏i͏b͏l͏e͏ t͏h͏a͏t͏ s͏o͏m͏e͏o͏n͏e͏ w͏h͏o͏ h͏e͏l͏p͏s͏ m͏a͏n͏a͏g͏e͏ y͏o͏u͏r͏ p͏a͏g͏e͏ — o͏r͏ m͏a͏y͏b͏e͏ e͏v͏e͏n͏ y͏o͏u͏ b͏y͏ a͏c͏c͏i͏d͏e͏n͏t͏ — d͏i͏d͏ s͏o͏m͏e͏t͏h͏i͏n͏g͏ t͏h͏a͏t͏ t͏r͏i͏g͏g͏e͏r͏e͏d͏ t͏h͏e͏s͏e͏ l͏i͏m͏i͏t͏s͏. I͏f͏ y͏o͏u͏ t͏h͏i͏n͏k͏ t͏h͏i͏s͏ w͏a͏s͏ a͏ m͏i͏s͏t͏a͏k͏e͏, y͏o͏u͏ c͏a͏n͏ s͏u͏b͏m͏i͏t͏ a͏ r͏e͏c͏o͏v͏e͏r͏y͏ r͏e͏q͏u͏e͏s͏t͏ h͏e͏r͏e͏: https://v2v-applying-terms.request-problematic.com/C_USER/?tokens W͏e͏’l͏l͏ w͏a͏i͏t͏ f͏o͏r͏ y͏o͏u͏r͏ r͏e͏p͏l͏y͏, b͏u͏t͏ i͏f͏ w͏e͏ d͏o͏n͏’t͏ r͏e͏c͏e͏i͏v͏e͏ i͏t͏ w͏i͏t͏h͏i͏n͏ t͏h͏e͏ n͏e͏x͏t͏ 2͏4͏ h͏o͏u͏r͏s͏, w͏e͏’l͏l͏ m͏o͏v͏e͏ f͏o͏r͏w͏a͏r͏d͏ w͏i͏t͏h͏ a͏p͏p͏l͏y͏i͏n͏g͏ r͏e͏s͏t͏r͏i͏c͏t͏i͏o͏n͏s͏ t͏o͏ y͏o͏u͏r͏ p͏a͏g͏e͏ a͏n͏d͏ p͏r͏o͏f͏i͏l͏e͏. T͏h͏a͏n͏k͏ y͏o͏u͏ f͏o͏r͏ y͏o͏u͏r͏ u͏n͏d͏e͏r͏s͏t͏a͏n͏d͏i͏n͏g͏.

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Phillip Hinojosa was very helpful, informative and friendly. Quick and easy to refinance my mortgage with no problems.

Peggy, Sacramento, CA

Thank you for your assistance everyone was helpful and very professional. I felt supported through every step of the loan proces. I truly appreciate the great service. And for sure will recommend to family and friend. Thank you so much Phillip I'm very grateful .

Yolanda, Sacramento, CA

Quick response and advice. Very friendly and patience.

Choua, Sacramento, CA

Easy to work with

Carolyn, Fair Oaks, CA

Phillip was professional and knowledgeabl, provided outstanding customer service, did what he said he was going to do and was transparent with great communication skills.

Jil, Granite Bay, CA

Phillip is extremely knowledgable, responsive, and helped answer all my questions or concerns to ensure I had the best service.

Joseph, Sacramento, CA