Phillip Pencka

“One Step Ahead. Every Step of the Way.”

Phillip Pencka brings more than a decade of mortgage experience to clients in Florida and Tennessee, combining broad product knowledge with a hands-on, detail-oriented approach. His expertise includes Conventional, FHA, VA, USDA, Down Payment Assistance, bridge loans, and Non-QM financing.

Coming from a large military family, Phillip has a personal appreciation for those who have served and takes particular pride in helping veterans, active-duty service members, and their families understand their VA home loan benefits. His broad background also allows him to assist first-time buyers and clients with more complex financing needs.

Born and raised in Central Florida with family roots in Tennessee's Pigeon Forge area, Phillip understands the communities he serves. Clients value his communication, integrity, attention to detail, and ability to stay one step ahead. Outside work, he enjoys family time, hiking, camping, fishing, beach days, exploring new places, and supporting his kids' activities.