Profile picture of Kenneth Phillips - ALCOVA Mortgage
Ken D. Phillips
Branch Partner
NMLS ID# 159635 | Licensed In: FL, GA, TN, VA
Watch My Video
Get to know me

What I like about this business: Meeting new people, building relationships and having fun while helping people own a home

Movies I like: Lone Survivor, 12 Strong, Batman:The Dark Knight Rises, Blow, Austin Powers

Local hangouts I like: Clearwater Beach, Indian Rocks Beach, Miami, Gatlinburg, My backyard

What I'm involved in: Involved in my church, Coastal Conservation Association, and various networking activities

My dream vacation is: Back to Japan, Bali, Tahiti


4088 Commercial Way Spring Hill, FL 34606

Real Estate on Zillow
Zillow Stars

Terrible Communication, Never felt as if they wanted to work with me
Went with Ken and Alcova based off my Realtor's recommendation, and after speaking with him. Ken made quite a few promises including how he takes care of the VA Appraisal fee for Veterans, how much he takes care of his clients. Went ahead and went through the pre-approval process, got approved and pulled the trigger on a house. I made sure to always get them what they needed as soon as they asked. Although I continued to ask them if they needed something to call or message if they could, but I would always get an email at the end of the day, when I couldn't call them if there was an issue, where there was several times. Many times I attempted to call Ken or Kim, would message, would email asking for a call, I would never get a response. Got the 1st loan estimate, had a couple of questions, took a couple weeks to get a response. Then get the second loan estimate, which was several thousand dollars more. Again, attempted to reach them, couldn't get a response. Attempted to make some changes, never got that to happen because they wouldn't respond. They never let me know the final outcome of the loan terms until 30 minutes prior to closing. Part of me wishes I had not signed because they were not the terms I had wanted, but the terms were acceptable. But they did refuse to work with me, they never acknowledged any of the questions I had. They only time I got a response was when I emailed Ken and threatened to back out and go with another lender. After closing Ken sent me a message and we also talked, he told me he "accidentally" charged me the VA appraisal fee when he said he doesn't charge Veteranse the fee to help them out. He told me he will be sending me a check to refund that fee. It's been over 2 months, I've tried emailing, texting and calling, no response at all, which is exactly what I expected. I would not recommend Ken or Alcova to anyone, and whenever I decide to sell this house and look into another, I definitely will not be going with them.
Zillow StarsZillow StarsZillow StarsZillow StarsZillow Stars

The “A” Team
Kristin Werner
Ken Phillips from Alcova Mortgage in Spring Hill, Florida is by far the best loan broker out there! I would consider him and his company The “A” Team! His commitment to his customers is top notch. Loyal, trustworthy, professional and down right determined to close his loans! He stood by me through a difficult process and I never doubted him once. Having gone through the challenges of divorce during the loan process, Ken saw to it that my financial future and well being for me and my children were top priorities. I did not want to end up renting! Ken spent countless hours working the numbers to give me the most benefit for my financial situation. There were a few times when I felt like a salmon swimming upstream. But Ken saw right past that and didn’t blink an eye once. He knows the industry well and is a valuable asset to the Hernando community. I prayed a lot throughout the process and I feel truly blessed that God answered my prayers and brought the best of the best to the ring for me. I would definitely use Ken and the services of Alcova Mortgage again and would highly recommend him to others seeking a mortgage. Thank you Ken!!
Zillow StarsZillow StarsZillow StarsZillow StarsZillow Stars

Excellent & Helpful
Ken and his staff were excellent to work with, they were always available to answer our questions. Any questions or concerns we had were given a prompt answer either by text, phone or email.

Equal Housing Lender LogoALCOVA Mortgage LLC | NMLS#40508 | (
Licensed in AL, DC, FL, GA (License #42101), KY, MD, NC, PA, SC, TN, VA, WV
308 Market St SE, Roanoke, VA 24011