Jeff Phillips

Phone: 7075816999

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Welcome to HPI Financial, your source for Conventional, FHA & VA Home Loans and Mortgages in California!

Breaking News:


Beginning 1/26/15, the Monthly Mortgage Insurance premium will be reduced by 50 basis points from 1.35% down to 0.85% for Loan to Values of 95.01% and higher, and from 1.30% down to 0.80% for Loan to Values of 95% and below. This reduction coupled with the lowest FHA rates we have seen since 2013 means substantial savings to you! For example, based on a loan amount of $300,000, the reduction in Monthly Mortgage Insurance of 0.50% alone would save your family $1500 over one year! 

Call us today to see what we can save you on your FHA Loan -  (866) 677-4FHA (4342)

With our FHA Steamline loan, there is no appraisal and no income requirements. If you have paid your mortgage ontime for the past 12 months, you already qualify.

We believe that excellent service and a reputation for honesty, integrity and reliability are just as important as helping you find the right loan to match your financial goals.

All of our California Loan Agents are licensed by both the Nationwide Mortgage Licensing  System (NMLS) and the California Bureau of Real Estate (BRE). What this means to you is top quality Mortgage Loan Consultants with many years of experience in the lending business. Our Loan Consultants are trained to work with you to guide you into the right mortgage loan program for you and a term that matches your payment ability and financial goals.

HPI Financial is approved with over 25 difference lenders and utilizes software that shows which of our lender partners has the best rate at any time. Use our Quick Quote on the right to get see what lender has the best rate today! 


Find the solution that fits your needs.

Purchasing a Home?

Turn the home of your dreams into reality. Whether you are buying your first home, second home, or vacation property, use this FREE self-help tool to determine exactly what type of purchase loan is best for you.


Need to Refinance?

Save money by taking advantage of the lowest rates available. Whether you are looking to lower your rate, lower your monthly payment, or tap into your home's equity, use this FREE self-help tool to determine exactly what type of refinance solution is best for you.


Consolidating Debt?

Use your home to help eliminate bad debt and bundle your bills into one easy monthly payment. Whether you need to pay off high-interest credit cards or you just need cash now, use this FREE self-help tool to determine exactly what type of debt consolidation program is best for you.