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.
No two loans are alike. Learn more about our various loan options to see what fits your needs.
Most popular mortgage program. Enjoy a low interest rate and fixed monthly payments. Quick approval and closing complete within 30 days.
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.
Qualify with a down payment as low as 3.5%, Easy loan qualification & Marginal credit acceptable. Quick approval and closing complete within 30 days.
$0 down payment required, No monthly mortgage insurance, 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-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.
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.
¡Tuvimos una gran experiencia trabajando con Elizabeth Merida y su equipo! Siendo compradores de vivienda por primera vez, estábamos un poco nerviosos por el proceso, pero Encoré Mortgage y su equipo nos guiaron pacientemente a través de cada paso y siempre estaban disponibles para responder a nuestras preguntas. Gracias Elizabeth Merida 100% recomendada
Daniel Carrillo help me to get my Loan in spite some hurled from the bank, and always willing to do more than usual to close the deal, I Highly recommend it, thanks.
When we wanted to refinance, Daniel found the best rate saved us almost a couple hundred dollars a month. He also went above and beyond by getting us a gift.
Excelente trabajo Y muy profesionales amables y sobretodo honesto y lo mejor que nos ayudaron a tener nuestra casa por todo muchas gracias. Daniel y a Encore Mortgage
Daniel and his team at Encore Mortgage ensured we closed escrow ahead of time, their professionalism and work ethic made our home purchase a breeze. We cannot thank the Encore team enough for all of their help, thank you for helping us realize our dream of home ownership. Thanks, Salgado Family
This place was the best Mr. Carrillo was with us thru all the process. Him and our agent got us our new home with no problem.. Highly recommend.
Elizabeth is the best being a lender! She has been very helpful and informative throughout the process. She’s always available if I have any concerns and explains each process of my loan thoroughly. Her and her husband Dario makes a good team together and would definitely get them again for my future home purchase!
Encore Mortgage was truly exceptional. In specific working with Daniel Carillo was such a good experience and I’m so grateful for everything he did for us. I was recommended to them by a friend whom his whole family has used their services to buy property. I was a bit skeptical at first because this was my second time going through the house buying process and the company that I used the first time did not leave a good impression. But I’m glad I was wrong because Encore was such a pleasure to work with and you truly feel taken care of. I was impressed with their level of knowledge and the amount of data that they had. Encore and Daniel were ALWAYS available for us whenever we had questions, comments or concerns through every part of the process. Their responsiveness was incredible. Buying a house can be very stressful so I recommend that if you want to give yourself some peace of mind and make the process smooth use Encore Mortgage!
At the time of the process of this matter my experience was professional agents Miguel or Daniel answer questions and escrow closed on time and I appreciate all the effort to end this matter .
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.
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 🙏🙏
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.
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!
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!
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!
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.
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.
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
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.
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
