First-time buyer? Refinancing? Need a jumbo or VA loan? Phillip Pencka brings clarity, speed, and a personal approach to every mortgage — so you can move forward with confidence.
About Phillip
Phillip Pencka founded his practice in Garland with one conviction: buying a home should never feel like navigating a maze alone. Whether you're a first-time buyer in Rowlett, a veteran looking to refinance in Royse City, or a investor exploring jumbo loans in Dallas — he meets you where you are.
At Town Square Mortgage, Phillip brings deep knowledge of every loan program available — from FHA and VA to Conventional and Jumbo — and translates that expertise into straightforward, honest advice. No pressure. No hidden fees. Just a clear path to the right loan for your situation.
Loan Programs
From your first home to your next investment, there's a program designed for your goals. Phillip walks you through every option so you choose with confidence.
Lower down payments and flexible credit requirements make FHA loans ideal for first-time buyers who want to enter the market without draining their savings.
Zero down payment, no PMI — VA loans reward those who served. Phillip guides veterans and active-duty service members through every step of the process.
Competitive rates and flexible terms for buyers with solid credit. Whether you need a 3%, 5%, or 20% down payment, there's a conventional path for you.
Purchase a luxury home in North Texas without the conforming loan limit. Phillip structures jumbo loans tailored to high-value properties and complex finances.
Lower your rate, shorten your term, or pull out equity — refinancing can reshape your mortgage. Phillip runs the numbers so you know exactly what you'll save.
Texas offers programs that can cover your down payment and closing costs. Phillip identifies every grant and assistance option you qualify for — at no extra charge.
How It Works
Mortgage lending doesn't have to be confusing. Phillip breaks every stage down into plain language so you always know what's next.
Share your goals, budget, and timeline. Phillip reviews your financial picture and recommends the best loan program for your situation.
Submit your documents and get a formal pre-approval letter — so sellers and agents know you're a serious, qualified buyer.
Phillip manages the paperwork, coordinates with your agent and title company, and keeps you updated at every milestone.
Review your closing disclosure, sign the final documents, and receive your keys. Phillip is there to answer questions until you're settled.
Client Stories
Real feedback from real clients across the Dallas–Fort Worth metroplex.
We were overwhelmed by the whole mortgage process. Phillip explained every option in plain English, got us pre-approved in two days, and we had closing in three weeks. Couldn't have asked for smoother.
As a veteran, I thought I knew what VA loans offered — until I worked with Phillip. He found a rate I didn't expect and saved me thousands over the life of the loan. True professional.
We needed a jumbo loan for a property outside the conforming limit and other lenders made it feel impossible. Phillip structured it perfectly and kept us informed every step of the way.
Get in Touch
Whether you're browsing options or ready to apply, Phillip is available for a no-obligation conversation. Reach out by phone, email, or the form — and he'll respond within one business day.
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