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

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Our Story

The Story of Encore Mortgage begins in Montebello, CA., where they sought out to represent the communities that they serve. Their goal has always been to build on the goal of providing the best options to achieve home ownership.

Purchase

Owning a home is one the biggest investments in your life. 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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Refinance

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

Get a Custom Quote

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, Low rates and easy approval. Quick approval and closing complete within 30 days.

JUMBO Loans

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

Anthony

5on GoogleNov 05, 2022

Miguel Flores helped us out from the beginning until the moment we obtained ownership of our house. Miguel explained the process, and broke down every detail. I would definitely recommend him to anyone looking to purchase a house.

Alicia

5on GoogleOct 29, 2022

Muy agradecida con Miguel Flores de Encore Mortgage muy profesional y siempre accesible. Señor Miguel muchas gracias por su ayuda usted hizo que las cosas fueran mas fáciles siempre disponible para responder mis preguntas y que yo pudiera cumplir mi sueño de poder ser dueña de casa. MIL GRACIAS 🙏🙏

April

5on GoogleOct 05, 2022

This was my first experience buying a home and I was really nervous because I've heard of how difficult it can be with all the paperwork and my situation was fairly tricky for a first home. I knew it was going to be a long grueling process that frankly I wasn't looking forward to. I'm forgetful, not great with paperwork and didn't know the first thing about buying a home. I had the loan officer Jamie who is fairly new which made me even more nervous but to my surprise he was super informative, enthusiastic and very patient. I never would have known he was new, he really knew what he was doing and really took the time to answer all my questions, which was a lot, lol. I had a very tricky loan and he was humble when needed, he consulted with his team on advice making sure that I was proceeding the best route for me. My mom, business owner and real estate investor was even impressed and she doesn't impresse easily. I was continually consulting with her throughout the process and now she is recommending Jamie too! Seems like they have a really good team there, everyone that assisted Jamie with the loan, the underwriters like Merilas we're just as nice, even the referrals for homeowners insurance and home inspection were all super nice as well, they were all awesome! Encore mortgage changed my view on how hard buying a house is. Yes there was a lot of paperwork, but having knowledgeable and helpful people help you through the process makes a difference, I highly recommend encore mortgage.

Christopher

5on GoogleJul 01, 2022

Mark Pang helped me finance my First Home! I had no idea about the home buying process and what it takes to close a loan. He helped me from A-Z and made the process stress free. To be honest, I still don’t know what it takes to close a loan, but I know Mark will be there when it’s time to refi and purchase my next property!

geovany

5on GoogleJun 28, 2022

Miguel Flores from Encore Mortgage is literally the best out there.He was very prompt in answering our questions and concerns no matter the time.He really takes the time to explain things more in depth and provided us with tons of valuable information.Definitely took care of our family’s needs and knew exactly what we were looking for.He exceeded our expectations and made this experience a positive one.We are beyond grateful for his honesty and sincerity when making difficult decisions.We highly recommend him!

Leticia

5on BirdEyeJun 28, 2022

Miguel Flores from Encore Mortgage has made our entire experience an amazing one. We appreciated all of his advice and support during our home process. He consistently responded to our questions and concerns on a promptly manner, which placed our minds at ease. He worked diligently to make sure that we were well taken care of and ensured that we made decisions that would benifit us. He really took our best interests in mind and guided us throughout this long and stressful journey. He is very trust worthy and takes the stressful journey. He is trust worthy and takes the time to build rapport with his clients, which was essential in meeting the needs of our family. I am beyond grateful to have had the oppurtunity to work with someone who really loved what they do and that has a lot of experience in this field. I ook forward to continuing to work with Miguel and his company, Encore Mortgage in the future. Highly Recommend him!

Leticia

5on BirdEyeJun 28, 2022

Miguel Flores from Encore Mortgage has made our entire experience an amazing one. We appreciated all of his advice and support during our home process. He consistently responded to our questions and concerns on a promptly manner, which placed our minds at ease. He worked diligently to make sure that we were well taken care of and ensured that we made decisions that would benifit us. He really took our best interests in mind and guided us throughout this long and stressful journey. He is very trust worthy and takes the stressful journey. He is trust worthy and takes the time to build rapport with his clients, which was essential in meeting the needs of our family. I am beyond grateful to have had the oppurtunity to work with someone who really loved what they do and that has a lot of experience in this field. I ook forward to continuing to work with Miguel and his company, Encore Mortgage in the future.

Brenda

5on GoogleJun 13, 2022

Great experience. Miguel Flores was super helpful and patient while also providing transparency along the process. As first time homebuyers, Miguel provided assistance along the way and was always available. My husband and I are extremely satisfied with Encore and grateful to have someone like Miguel guide and assist us.

Rufino

5on GoogleJun 13, 2022

Miguel went over and beyond to make my families dream and mine come true. Kept us up to date on everything that happened and never left any of our questions answered. I would definitely recommend Miguel to everyone. Rufino Franco

Salvador

5on GoogleJun 01, 2022

Miguel Flores and his whole team are very professional & well communicator's they helped us purchased our second home, the whole process was so easy, Miguel was extremely helpful, providing experience insights and options that a home buyer would not have tough of. We had great confidence that he always had our best interest working with us. We Highly recommend this firm. 5 stars A+ Thanks again Miguel and the whole team to make our dream come true. All the best, Iveta & Salvador.

leonardo

5on GoogleJun 01, 2022

Thank you David Lewis I appreciate all your help from so my house to getting the new loan approval for the new home the transaction was smooth

Desiree

5on GoogleJun 01, 2022

We had the pleasure of working with Miguel, he was great! Very helpful and quick with all communication, he helped us get our very first home and made the process fun and less intimidating.

Andrea

Recommendedon FacebookMay 10, 2022

Deborah Gonzales went far far far and beyond what a mortgage lender usually does. She hung with us through two houses and three or four different loans that we tried to find the perfect one. My son is now in the house of his dreams… In no small part due to her hard work.

John

5on GoogleMay 08, 2022

Deborah from Encore Mortgage did everything possible to make my loan go as smooth as possible. She kept us informed daily with our loan which was a relief. We were able to close near the date she confirmed with and even came to our home to sign docs. Deborah was great to work with and I would recommend her to anyone with no worries. 10 🌟

Rocco

5on GoogleMay 04, 2022

Deborah Gonzalez at Encore Mortgage did an amazing job helping me with my Refinance. She went above and beyond to make sure that my loan closed when she said it would. My interest rate dropped 2% and I am now the happiest home owner. I have never had a better experience than this one. If you are in need of a lender or need to Refinance your current loan, I recommend Deborah Gonzalez and her team at Encore Mortgage.

John

5on GoogleMay 04, 2022

Deborah Gonzalez was an awesome lender! She Pre-Approved us overnight and we were able to submit a strong offer that beat out 15 others! She was always kind and kept us in the loop. Because of her, my brother and I are now homeowners! 10/10 recommend

Jeremiah

5on GoogleApr 13, 2022

Mark is such a dependable lender. I'm a real estate agent and can tell you first hand that he was great to work with. Always answered my calls and was able to complete the loan approval and appraisal in a fast time. I would highly recommend working with him!

Cecilia

5on GoogleMar 24, 2022

Very happy to have worked with Magali Baez. We previously had tried working with other mortgage brokers with no success as we had a tricky situation. The other brokers gave us no options but Magali was able to work with us and we closed in 25 days! We appreciate her hard work and dedication during the process. We highly recommend her to those looking for financing. Thank you Magali and Encore Mortgage!

Ana

5on GoogleMar 04, 2022

A real good experience working with Encore Mortgage. Totally recommend this business. This was our very first home and Conrad made the process very easy.

Matthew

5on GoogleFeb 27, 2022

We made the decision to refinance our house encore mortgage came highly recommended. Jamie came even more recommended. The process was quick and easy Jamie made the experience very pleasant he walked me through every step. Explained to me what was going on throughout the process. Immediately answered any and all calls I made. He made the refi experience for me Pleasant would recommend Jamie with encore mortgage to Everyone

Juan

5on GoogleFeb 18, 2022

A Big thank you to Miguel Flores thanks to his professionalism and knowledge we are available to become Homeowners