Philip Cloutier

Houston, TX

145025

Executive Loan Officer

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(281) 222-4710
(281) 222-4710
With over 30 years of residential mortgage lending experience and an MBA in Finance, I'm a dedicated Executive Loan Officer committed to exceptional service and transparency. As the founder and leader of an independent correspondent mortgage bank for 25 years, I developed comprehensive knowledge across all aspects of mortgage banking—from loan origination and underwriting to secondary markets and portfolio management. This unique background, combined with my extensive loan and product knowledge, sets me apart from most loan officers.

I believe the lending process should be clear, straightforward, and empowering. I take time to truly listen to my clients, understand their family's homeownership goals, and craft tailored solutions that...
With over 30 years of residential mortgage lending experience and an MBA in Finance, I'm a dedicated Executive Loan Officer committed to exceptional service and transparency. As the founder and leader of an independent correspondent mortgage bank for 25 years, I developed comprehensive knowledge across all aspects of mortgage banking—from loan origination and underwriting to secondary markets and portfolio management. This unique background, combined with my extensive loan and product knowledge, sets me apart from most loan officers.

I believe the lending process should be clear, straightforward, and empowering. I take time to truly listen to my clients, understand their family's homeownership goals, and craft tailored solutions that fit their specific financial objectives. Known for my exceptional responsiveness, meticulous attention to detail, and unwavering commitment to going above and beyond, I build lasting relationships built on candor, patience, and expertise. Whether your plan is to buy a home in a month or a year, I enjoy guiding my clients on their journey. Whether you're a first-time homebuyer, refinancing, or exploring creative financing solutions, I'm here to guide you through every step and make the process as smooth and stress-free as possible.
Licensed in Texas and serving clients statewide from my Houston base, I joined Rocket Mortgage to combine my entrepreneurial expertise with the backing of the mortgage industry's leader—ensuring my clients receive both personalized attention and world-class resources. When I'm not helping clients achieve their homeownership dreams, I enjoy going to church with my family on Sundays and watching my kids play soccer.
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Rocket Mortgage Sales

127249 Reviews

Philip's Reviews

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h b

November 10, 2026

Philip was extremely responsive, knowledgeable and warm! I truly loved working with him and highly recommend him to work with through the stressful home buying process.

steve liollio

October 11, 2026

3rd home purchase and Philip made it the best & easiest experience yet! Always available and made the lending process a breeze! Could not recommend any higher

Linda V

June 5, 2026

Philip was supper helpful and very nice and even answered questions on the weekends! Great experience.

Rocket Mortgage, LLC; NMLS #3030; www.NMLSConsumerAccess.org. Equal Housing Lender. Licensed in 50 states. AL License No. MC 20979, Control No. 100152352. AR, TX: 1050 Woodward Ave., Detroit, MI 48226-1906, (888) 474-0404; AZ: 1 N. Central Ave., Ste. 2000, Phoenix, AZ 85004, Mortgage Banker License #BK-0902939; CA: Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act; CO: Regulated by the Division of Real Estate; GA: Residential Mortgage Licensee #11704; IL: Residential Mortgage Licensee #4127 – Dept. of Financial and Professional Regulation; KS: Licensed Mortgage Company MC.0025309; MA: Mortgage Lender License #ML 3030; ME: Supervised Lender License; MN: Not an offer for a rate lock agreement; MS: Licensed by the MS Dept. of Banking and Consumer Finance; NH: Licensed by the NH Banking Dept., #6743MB; NV: License #626; NJ: New Jersey – Rocket Mortgage, LLC, 1050 Woodward Ave., Detroit, MI 48226, (888) 474-0404, Licensed by the N.J. Department of Banking and Insurance.; NY: Rocket Mortgage, LLC, 1050 Woodward Ave., Detroit, MI 48226 Licensed Mortgage Banker-NYS Department of Financial Services; OH: MB 850076; OR: License #ML-1387; PA: Licensed by the Dept. of Banking – License #21430; RI: Licensed Lender; WA: Consumer Loan Company License CL-3030.