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Ya sea que esté comprando una casa o refinanciando.

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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


Recommendedon FacebookNov 15, 2019

They treated us like family and guided us on the right path on our first home. Raven and Danny always took the time to answer all are questions and concerns. I will use and recommend encore to all my friends and family


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.


5on GoogleOct 26, 2020

I had success closing on the first property I mad an offer on, and that was because Encore mortgage really took care of the lending paper work from start to finish. I had the pleasure of working with Miguel, who was very knowledgeable and informative. Thanks to Miguel I knew exactly what I was getting myself into and I made very well and informed decisions when closing on my first condo. There were no negative surprises while I Worked with Miguel and I highly recommended him and the Encore team.


5on GoogleOct 26, 2020

Miguel Flores was very professional and help us understand alll the paperwork of the purchase of our house!


5on GoogleOct 12, 2020

My husband and I are very pleased with the help we received from Miguel Flores. During the refinance of our home. He guided us and gave us different scenarios of what will work best by refinancing. I am grateful for the help we received from his team. Thank you Miguel Flores if in the future I need your assistance or if a friend or family is looking to refinance a home I will for sure give your information to them. Thank you again!!’


3on GoogleSep 16, 2020

First and foremost, I am sincerely grateful to have been given an opportunity to purchase my home this past month. However, with that said it was sincere chaos from the beginning through the end. Considering everything our country is going through I didn’t really want to take this platform to bash anyone particularly my realtor the lender and the escrow office. What I would like to recommend is that both my realtor and the lender along with the escrow offices should always be on the same page for whatever reason these three dynamics did not play out to that opportunity. However, in closing I would like to acknowledge a individual by the name of Amanda that currently works at this office, I sincerely appreciate all of her efforts and time to help me the last two weeks get through the closing of this escrow.she realize my frustration is some of the chaos that occurred and still manage to have lots of patience with me the last two weeks, thank you!


5on GoogleSep 03, 2020

Amazing Service, Daniel was able to get us the loan that was right for us. we wear able to qualify for our dream home. all the staff was very professional and kind to us, They where fast and proficient.. My only Recommendation Is preparedness sheet for every situation possible :)


5on GoogleSep 03, 2020

Amazing Service, Daniel was able to get us the loan that was right for us. we wear able to qualify for our dream home. all the staff was very professional and kind to us, They where fast and proficient.. My only Recommendation Is preparedness sheet for every situation possible :)


5on BirdEyeSep 02, 2020

Tuve una excelente experiencia con Paola y su equipo. Muchas gracias por todo, fue un placer trabajar con ellos.


5on BirdEyeAug 29, 2020

Tuve una experiencia muy buena con Paola y su equipo. Los recomiendo al 100%. Si lo hiciera otra vez escogería a Paola y su equipo para ayudarme. Estoy muy agradecidos con ellos!


5on GoogleAug 28, 2020

Had a great purchasing experience. Thanks to Miguel Flores, my family’s dream of purchasing our home came true. Many thanks to Miguel Flores and the Encore Mortgage team.


5on GoogleAug 25, 2020

To be honest I don't like to reviews but I was so blessed and amazed by the passion and exlelent customer service that took raven to take steps and go more than one step to be able to provide the perfect customer service and helped me to find the perfect home for my needs, she help me and show me so much abou the value of finding the right place, she being so patient unerstanding and so full energy ready to help me no matter what or the time made my experience so amazing and I dont think I will ever find someone that is willing to help me the way she did. Raven is a the most beautiful person I met and not only from the outside also inside she actually cares for every customer. Thank you raven.


5on GoogleAug 19, 2020

I want to say thanks a lot to Raven Nepi and her team for assisting us through the entire process! Raven was a such a delight to work with and overall a sweet heart. She communicated with us through this whole process, answered all our questions, but most importantly was very patient with us. I will be recommending Raven and her team to all my friends and relatives. Definitely coming back to refinance our home with her! 😊


5on GoogleAug 17, 2020

Conrad was the best lender we could have worked with to purchase our first home. He was very patient with all our questions and explained them very thoroughly and made sure we got the best rate in the market. He made our first purchase very easy and made sure we closed in 30 days !!!