Explore mortgage options with Philip Cloutier - America's Choice Home Loans
Your premier mortgage broker located in Friendswood, Texas. Philip takes pride in finding each of his customers the most competitive rate available for their home financing needs. His vast experience on the business side of originating, funding, and selling mortgage loans in the secondary market sets him apart from others in the industry. As a Loan Officer, Philip finds the most fulfillment in helping buyers achieve the American dream of homeownership. His in-depth understanding of the entire mortgage process and commitment to customer service has earned him the trust of countless homeowners.
Your top mortgage questions, answered
Common types include conventional loans, FHA loans, VA loans, USDA loans, fixed-rate mortgages, and adjustable-rate mortgages. Each type has its own eligibility requirements, benefits, and drawbacks.
A fixed-rate mortgage has a constant interest rate throughout the loan term, leading to predictable monthly payments. An adjustable-rate mortgage (ARM) has an interest rate that can change periodically, causing fluctuations in monthly payments.
Pre-qualification provides an estimate of how much you might be able to borrow based on the information you provide. Pre-approval involves a more thorough review of your financial situation and credit history, resulting in a conditional commitment from a lender.
While it may be more challenging to qualify for a mortgage loan with bad credit, there are still options available. Government-backed loans like FHA loans may have more flexible credit requirements, and some lenders specialize in working with borrowers with less-than-perfect credit.
What our clients are saying
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Phil worked on two of my mortgages and I had no problems on either of them. Phil was very informative and let me ask questions along the way. The staff... read more
Leslie Meaux
Philip Clothier has always recognized the importance of strong customer service. He ensures that his customers are greeted with birthday cards and holiday wishes each year. Additionally, he prioritizes professionalism... read more
Nadyne Jackson
Philip has been awesome to work with. As foreigners/Danes, we got grumpy with the ways of our overzealous first agent. On short notice, Philip jumped in and sorted out the... read more
Per Bak
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Thank you, Phil — you made purchasing our home a dream come true — the staff was amazing in helping us to overcome the roller coaster ride that we were... read more
Douglas Phason
We highly recommend America's Choice Home Loans for their outstanding services. From start to finish, our experience with Philip Cloutier was nothing short of outstanding. The team displayed unparalleled professionalism,... read more
Andra Sohan
I would recommend Philip to anyone who would ask! He was so helpful in finding the right people to talk to about financing a new home build. He was also... read more
Wes Westmoreland
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Philip was fantastic to work with and helped me through the entire mortgage loan process. I would highly recommend him if you need a mortgage loan!
glenn david
Philip stayed on top of everything and made it as smooth of a process as possible. He was incredibly patient when I had questions or concerns and would talk to... read more
Zain Alikhan
Philip is such an awesome broker, he will get you the finacing for the house of your dreams. He stays in touch and helps in anyway he can. I felt... read more
Patti Pursley
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Don't hesitate to use Phillip Cloutier! I have used him several times over the years for new Mortgages and refinancing properties as well. He is an amazing communicator and I... read more
craig maxwell
