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

I am Rick Diaz and I want to help you!

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

A little About Me

Rick Diaz

Mortgage Banker | NMLS#: 555293

Whether you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan specialist. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice. I have the expertise and knowledge you need to explore the many financing options available.

Ensuring that you make the right choice for you and your family is my ultimate goal. And I am committed to providing my customers with mortgage services that exceed their expectations. I hope you’ll browse my website, check out the different loan programs I have available, use my decision-making tools and calculators, and apply for a loan in just four easy steps with the short form Application.

After you’ve applied, I’ll call you to discuss the details of your loan, or you may choose to set up an appointment with me using my online form. As always, you may contact me anytime by phone, fax or email for personalized service and expert advice.

Meet the Team

  • Mariam Neri

    Operations Manager
  • Angelina Angeles

    Mortgage Banker | NMLS#:2178380

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.

Get Pre-Approved

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.

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

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!

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

Pedro Aragao De

5on BirdEyeFeb 07, 2022

I have gone through financing and refi quite a few times with so many different agents in several companies. Mark Pang and his team are hands down the best I have had the privilege to work with me. Mark is very responsive, attentive, clear, polite and very good at his job. I'm already discussing my next purchase with him. Thank you, Mark!

Veronica

5on GoogleFeb 01, 2022

Conrad Straub was amazing as our loan officer. We closed in 11 days on our brand new home!!!! Great communication, always on top of it and got us a better deal than we thought we were going to get. Definitely recommend Conrad to everyone !!!!

Elba

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!!!

Mani

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

Jorge

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.

Carlo

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