About
Meet Phi Nguyen
Your independent mortgage broker in Sacramento — working for you, not the bank.
Why an Independent Broker?
When you walk into a bank, they offer you their rates. When you work with Phi, he shops 40+ lenders to find the one that saves you the most money. Same process, completely different outcome.
Big banks have one product shelf. Phi has dozens. That means more options for low credit scores, self-employment income, small down payments, and unique situations that banks often say "no" to.
The Phinance Homes Difference
40+ Lenders
We shop your scenario across dozens of lenders to find the lowest rate and best terms.
$0 Upfront
No application fees, no upfront costs. You only pay at closing — and we fight for the best deal there too.
Sacramento Local
Born and raised in Sacramento. We know the neighborhoods, the market, and the programs available here.
Real Answers
No runaround, no sales pitch. Just honest guidance on what you qualify for and what makes financial sense.
Credentials
| Licensed Mortgage Broker | State of California |
| NMLS # | 1952746 |
| Programs | FHA, VA, Conventional, Jumbo, DPA, Refinance |
| Service Area | Sacramento, Elk Grove, Roseville, Folsom, Rancho Cordova, and surrounding areas |
Phi Nguyen
Independent Mortgage Broker
Sacramento, CA
"I got into this business because I saw too many people overpay for their mortgage — simply because they only talked to one bank. I shop 40+ lenders so my clients don't have to."
Get Pre-Approved Book a Free CallWhat Clients Say
"Phi made the process incredibly smooth. We saved $350/month compared to what our bank offered."
— Client testimonial coming soon
More client stories will be added here.
Ready to Work with Someone on Your Side?
Free consultation. No obligation. Just real answers.