Welcome to Encore Mortgage, Inc. ⭐⭐⭐⭐⭐

I am Rasha Pacheco and I want to help you!

See what you qualify for in about 60 seconds or less.

A little About Me

Rasha Pacheco

Director of Business Development

I am committed to providing ideal financing options to homebuyers and homeowners. Whether purchasing your first home, investing in real estate, or refinancing a home, I will make certain to provide all options to help choose the best solution for your unique situation.

I have access to highly competitive pricing structures and state-of-the-art technology; I am second to none in my commitment to guiding you through the home buying or refinancing process. I offer a comprehensive list of loan programs including: Conventional, Jumbo, FHA/VA, First Time Homebuyer and more.

I have been in the mortgage business for what feels like forever, gaining the knowledge and expertise to help put you at ease throughout the mortgage process. My diverse experience in the mortgage industry allows me to better assist you and ensure a smooth process from origination through to closing.

Meet the Team

  • Mariam Neri

    Operations Manager
  • Angelina Angeles

    Mortgage Banker | NMLS#:2178380


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.

Get Pre-Approved


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.


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.

  • New Loans Funded This Month
  • New Customers This Month
  • Million Funded This Month


5on GoogleJan 18, 2022

Débora, thank you so much for guiding me throughout the process. You are very professional and lovely. 🥰 I would DEFINITELY recommend ENCORE Mortgage 🏠 to everyone.  Awesome service!!!


5on BirdEyeJan 17, 2022

Francis Manalang was a pleasure to work with. Always responsive and extremely professional and helpful. Francis and his team made the entire process extremely easy and quick. Thankful to have met him and entire Encore team. Mani & Amie & Jamie


5on GoogleJan 04, 2022

Repeat Customer!!! This was the most extreamelined loan process I have ever utilized. From the start of my refinance application to the funds being dispersed was extremely quick and blows the other lenders out of the water. Great job figure!!! you have a repeat customer, Miguel was alway professional and very knowledgeable about all the load products thanks.-Miguel Flores.


5on GoogleJan 04, 2022

Miguel flores was very professional and fast with all the procedure i will recommend encore mortgage 100% i had a great experience working with miguel

Crystal Sween

Recommendedon FacebookDec 02, 2021

Jaime Watkins was the highlight of my experience. He worked tirelessly and creatively to make sure I qualified for my new home. He was communicative and treated me like I was a priority. props to the Manager that supported him in helping me and for having Jaime on the Encore team! I can't even express how thankful and grateful I am.


5on BirdEyeDec 02, 2021

I would recommend that 5 out of 5 and this company has a best price rate for the house mortgage, specially Mark Pang He has the best communicating skill and best customer services 👍 I will love forward to deal with them again in future Thanks for everything


Recommendedon FacebookNov 04, 2021

I highly recommend Encore Mortgage. They get the job done fast and easy😉👍


5on GoogleOct 28, 2021

Muy profecionales y muy buen servicio gracias Miguel por la alluda y por tomarte el tiempo para explícanos todo el proceso a detalle...!


5on GoogleOct 21, 2021

We found Jaime Watkins to be most accommodating. Out of all of our past dealings with buys and/or refi’s and the anxiety and frustrations involved with them, Jaime was quite pleasurable. Friendly and professional, always available to walk us through the process. We never had to wait on him for anything as he was always in contact with us. We consider him a friend.


Recommendedon FacebookSep 30, 2021

This is such an Amazing Team!

Erika Dubon

5on BirdEyeSep 29, 2021

Excelente servicio! No tengo suficientes palabras para agradecer a Elizabeth Merida y su equipo por el extraordinario servicio que brindaron para mi familia y para mi ❤️ Estamos muy satisfechos y 100% recomiendo los servicios de Encore Mortgage en la compra de tu casa... Completely satisfied with the provided services by Encore Mortgage. Shout out to Elizabeth Merida and her team for the excellent work they did for my family. When others told us not possible, she worked it out to help us get into the house of our dreams! Thank you is not enough to express how grateful my heart is ❤️


5on GoogleSep 22, 2021

Just purchased my first home! All thanks to the great service and guidance of Raven Nepi over at Encore Mortgage. I couldn’t be happier with how everything turned out. She walked me through the whole process always answering all the questions I had and helping me understand how everything worked. Anyone in need of any services Encore Mortgage provides make sure to check her out. You won’t regret it!


5on GoogleSep 21, 2021

Am very thankfull. with all the good experience of purchasing our new home. With ''Miguel flores'' he is a very professional Morgage realtor. He could help you step by step to make it happen. Thank you...


5on BirdEyeSep 13, 2021

I had a great experience working with Francis Manalang and his team. After inquiring with couple of banks and mortgage companies, I chose Encore Mortgage for my refinance need. Francis made the refinance process easy and pain free. Thanks again Francis!


5on GoogleAug 31, 2021

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

Narinder Kumar

5on GoogleAug 26, 2021

Great customer service from Miguel and he was able to close my Morgage less than 30 days


5on GoogleAug 20, 2021

Estoy muy contento con el servicio que me brindo Miguel Flores. Una persona muy profecional y muy amable.


Recommendedon FacebookAug 17, 2021

We had the pleasure to work with Miguel Flores. He explained the loan process and always had time for all the questions and concerns.Thank you and I will certainly recommend your services to anyone I know who needs a mortgage.


5on BirdEyeAug 16, 2021

My experience with Mark was the best it was my first time buying a home and he help me through every step… I am so happy he was there to guide me all the way till the end …at some point it got hard and he was always positive and giving me the strength I need it once again thank you Mark you guys have a wonderful person on your team ..


Recommendedon FacebookAug 15, 2021

Muy buena esperiencia lo k dijo lo cumplioyo dwmi parte lo recomiendo


5on GoogleAug 11, 2021

Thanks to Paola my process of refinancing was easier than buying a car she made everything simple and easy to understand would definitely recommend to anyone looking to refinance or buy a home Extremely satisfied


5on BirdEyeAug 11, 2021

Thanks to Paola my process of refinancing was easier than buying a car she made everything simple and easy to understand 🙌 would definitely recommend to anyone looking to refinance or buy a home 🏡 Extremely satisfied 😁


5on BirdEyeAug 10, 2021

Paola and her team are such hard workers!! She worked so hard to help my husband and I close on our first home FAST!! Great experience! Thanks for everything Paola!