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Buying a home, looking for a better rate, or cashing out?

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Owning a home is one the biggest investments in yor live. We will help you get you in your new home on-time, at the lowest available rate, and with the best mortgage.

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Whether you’re looking to lower your monthly payment, or get cash to consolidate your debt, we can help you determin how refinancing fits with your financial goals.

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Review Your Loan Options

No two loans are alike. Learn more about our various loan options to see what fits your needs.

30 Year Fixed

Most popular mortgage program. Enjoy a low interest rate and fixed monthly payments. Quick approval and closing complete within 30 days.

15 Year Fixed

Pay-off your home fast and save thousands of dollars during the life of the loan. Enjoy a low interest rate and fixed monthly payments. Quick approval and closing complete within 30 days.

FHA Loans

Qualify with a down payment as low as 3.5%, Easy loan qualification & Marginal credit acceptable. Quick approval and closing complete within 30 days.

VA Loans

$0 down payment required, No monthly mortgage insurance and Low rates and easy approval. Quick approval and closing complete within 30 days.


5% and 10% down payment options. Low rates for fixed and adjustable terms. Quick approval and closing complete within 30 days.

Non QM

Non-Qualified Mortgage (Non-QM) loans are typically for borrowers with unique income qualifying circumstances. There are millions of people who may have the income but don't qualify with their tax returns, W-2s or pay stubs alone.

ARM Loans

Ideal if you plan to stay in your home for less than ten years. Enjoy a low interest rate and fixed monthly payments for a 5, 7, or 10-year period. Quick approval and closing complete within 30 days.

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Encore Mortgage Team


5on GoogleJul 16, 2021

I am very happy with Deborah Gonzalez work. She was helpful, professional and was in constant contact with me. Definitely someone you want if your looking to refinance.


5on GoogleJul 14, 2021

Miguel Is great person to work with goes above and beyond thanks for everything :)


5on GoogleJul 09, 2021

Eddie provided helpful information about the preapproval I was given, and is working to save my loan despite my ex-husband's interferences. Eddie was also very helpful on a second matter with understanding an issue with my mom's home taxes. He has been patient, which is a bonus.


5on BirdEyeJun 27, 2021

I recently had the pleasure of refinancing my home with this company. Jamie Watkins not only far exceeded my expectations with a new mortgage rate, but made the process as painless and easy as it could be.I highly recommend using Encore!!!! Ask for Jamie.


4on GoogleJun 17, 2021

(Translated by Google) The service was excellent for me .... highly recommended Neris Coreas (Original) El servicio fue excelente para mi.... muy recomendados Neris Coreas


5on GoogleMay 25, 2021

Wonderful experience from beginning to end! Miguel Flores guided us and explained the entire process for us so we understood what was happening. Miguel also provided us with all possible scenarios so we always knew what to expect ! Overall we felt like we were taken care of and once we are ready for another house we will definitely be coming back to the Encore Mortgage team !


5on GoogleMay 18, 2021

I totally recommend Encore Mortgage, at the time when you're ready to do any financial decisions. The person that helped me buy my mortgage was Miguel Flores. He was very patient, helpful, professional, and supportive.


5on GoogleMay 09, 2021

Miguel Flores and the Encore team made me and my fiancés experience with our first home purchase such a good experience. His due diligence and was honest out the Gate with us and made us feel comfortable and educated every step of the way would definitely recommend this lender to all. Thank you again ENCORE!


5on GoogleMar 14, 2021

One of my life long goals was to become a homeowner, but I really didn’t know where to start. I would research on the step by step process on how to buy your first home but was still lost. I stumbled upon Encore Mortgage and was paired up with Nicholas. During our first meeting over the phone, I immediately told him that I knew nothing on how the process of purchasing a home works. Nicholas didn’t make me feel embarrassed at all. He took me step by step and explained everything in the simplest way. He was very patient and really cared about how I felt during this entire journey. Overall, the process was interesting, fun, complicated, and very stressful. I don’t think you can ever avoid the stressful part of buying a home, but Nicholas reassured me that I was on the right track. As long as there was communication both ways, Nicholas was able to help me achieve my goal of becoming a new homeowner. He even told me that he would be checking up on me regarding the mortgage payments. I’m so happy and grateful for all the hard work Nicholas and his team put in to help me. Thank you!!!


Recommendedon FacebookMar 13, 2021

Thanks Eduardo for always completing the task no matter how easy or challenging. We will be you clients for ever as there is no doubt that you make our dreams come true. Truly appreciative of knowing you and the passion you put in all that you work in.


5on GoogleMar 09, 2021

Great team! Kept me up to date throughout the process. First conversation was very informative and requests for documents were easy to upload.


Recommendedon FacebookMar 04, 2021

Thank you Miguel for helping my sister and I with our home loan. You Made the process fast and easy for us. I look forward in working with you and your team in the near future for our second home. I Will definitely keep you in mind.


5on GoogleJan 26, 2021

Fue una experiencia muy buena gracias al trabajo excelente de miguel flores y equipo.cumplio con su meta de darnos la mejor situacion en la compra de nuestra casa.siempre di el paso extra necesario para una mejor experiencia


5on GoogleJan 12, 2021

Last year, my sister and I had the pleasure of working with Dario Alvarado, Elizabeth Alvarado, and Delmy Lemus at Encore Mortgage on the purchase of our first home. They were forthcoming, available, and friendly. Since it was our first time embarking on this homebuying journey, the process was intimidating at first, but with their guidance, we felt empowered every step of the way. Elizabeth communicated with us on a weekly basis even when there was no update, and when there was an update, she communicated with us immediately. Whenever we reached out to her, we were able to get a hold of her. We had our dream home in a matter of weeks. If I were to buy another home or was asked for a referral, we would highly recommend working with Encore.


5on BirdEyeDec 10, 2020

Paola helped us with our refinancing needs...she's incredible with math! All the staff we worked with were very professional and the office was very welcoming and well kept. We highly recommend Encore Mortgage for your lending needs and look forward to doing more business with them in the future. Thanks Paola!


5on GoogleNov 13, 2020

Fantastic staff that walks you through every step of the process. Reliable and helpful!


5on BirdEyeNov 09, 2020

Paola and the Encore team helped me w/all of my refinancing needs. Paola taught me about my home’s equity and schooled me on why I need to refinance. She walked me through my credit score and help me kick up my score with a quick turnaround. I learned about my debt to income and the different types of closing costs my current lender had and my local credit union offered. All in all, Encore cut my interest rate in HALF. I was locked at a 4.6% rate and Paola was able to slice that in half. She removed 8 years from my mortgage and kept my same monthly payment! Refinancing can be complex; nonetheless, Encore answered all of my late night questions and provided an extended amount of diligence and made refinancing an easy and smooth process. I’m already paid my 1st payment (2 months later) and couldn’t be happier. Thanks Encore! Well worth 5 STARS!


5on GoogleOct 27, 2020

My husband and I have refinanced with Conrad and his team twice. Both refinances have been a great experience. Conrad is professional, friendly and very knowledgeable. This last refinance took a little longer than expected but Conrad always touched basis with us and kept us informed of next steps. Thanks again Conrad and team.