Estephany was very knowledgeable and great from beginning to end. She is very detailed and does her absolute best to find a solution. Highly recommend her for your next home purchase or refinance
Welcome to Encore Mortgage ⭐⭐⭐⭐⭐
I am Henry Giraldo and I want to help you!
See what you qualify for in about 60 seconds or less.
A little About Me
Henry Giraldo
Mortgage Banker | NMLS#: 2013104
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
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Mariam Neri
Operations Manager -
Daniel Carrillo
CEO | NMLS#:380277
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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Muy buena atención y personal capacitado, contando con la gran ayuda del señor Miguel Flores
Angelina Angeles, she is the best, she helps you in every step, she gives you the best option, she is always attentive and responds very quickly, she is very friendly, if you want to buy a house, come with her I recommend her. Thank you Angelina
Angelina is an exceptional mortgage banker! From start to finish, she made the entire mortgage process seamless and stress-free. Her expertise, professionalism, and clear communication were invaluable, and she always took the time to explain each step in detail. Angelina went above and beyond to ensure I felt comfortable and informed throughout. If you’re looking for a trustworthy and knowledgeable mortgage banker, I highly recommend working with Angelina!
Gracias Encore Mortgage a Angelina Angeles
We were referred to Daniel at Encore by my brother because he had just bought a house recently. Wow exceeded our expectations he is first of all trustworthy , knowledgeable and very helpful into getting you into the right program to buy your dream home . Many lenders today have only limited options for your lending options. Daniel sure try’s very hard to make it happen. Highly recommended if your in the market to purchase a new home his the person to call and you won’t be disappointed. Thank Daniel for making my family and my brother’s family dream of our New Homes Come True . I’m going to be back to do more business with him in the future 👍🏼Thank you to all Encore staff and Dario our Realtor from Excellence Realty for going above and beyond to help us in this process.
Great place, but overall good agents who will explain you everything clearly
Where to begin…this was a VOE loan. Daniel and his team literally went to war on this one. From closing and getting the run around from the first lender for about two weeks and not funding, Daniel and his team didn’t give up. They quickly transferred my loan to another lender and negotiated with the seller not to cancel. Daniel could’ve just walked away on this. Our new lender needed time to restart the process and they were able to get everything ordered/ approved for our new closing deadline. The seller agreed to an additional 30 days. This took over 90 days!!! 90 days of fighting and getting things done. I can’t thank Encore enough for what they did. They went above and beyond for me!!! They have the best team!
When we wanted to refinance on our previous house, 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. On our current home, Daniel helped get us qualified and provided guidance when we needed. We plan to continue to work with Daniel as we have always received positive results.
Being a first time home buyer can be a little confusing as far as understanding the numbers, luckily working with Miguel at Encore Mortgage made everything seem easier. He thoroughly explained everything to me and had so much patience. I definitely recommend him as a lender and Encore Mortgage as a whole!!
This is the second time I have used Miguel Flores and the Encore team. Again they were very diligent and helped us every step of the way. Start to finish they went above and beyond. Thank you again Miguel and ENCORE!
Estephany was a very honest and transparent lender. I truly appreciated everything she did for me throughout the whole process. The whole team was fantastic and I would love to work with them again!
Estoy muy contento y feliz con nuestra nueva casa. Muy buena experiencia, gracias a Daniel nos ayudo mucho con cumplir nuestro sueño a comprar nuestra primera casa. La verdad los recomiendo mucho 😄
@Angelina Angeles, Where should I begin…. Let’s start by saying what an amazing overall job! I truly appreciate all your hard efforts, communication, honesty, transparency, and punctuality. You made this process for us seemingly easy and stress-free. If you’re in need of a lender to purchase a new home, I highly recommend Angelina and her dedicated team! Thank you, Louis H.
It was great working with Deborah. She is very knowledgeable with real estate and answered all the questions my wife and I had. She was very detailed and made sure we understood every aspect of our process. Deborah made the difficult tasks seem easy and left my wife and I stress-free. It was great working with you Deborah.
I recently had the pleasure of working with Daniel Carrillo, and I found his professionalism, expertise, and firm dedication to his clients truly fascinating. Daniel's ability to secure a loan where others failed was truly remarkable. Not only did he deliver when others couldn't, but he also ensured that the entire process was incredibly efficient. What stood out most was the speed at which Daniel helped me close escrow. In just about two weeks, from our initial discussions to closing, Daniel set a record pace that surpassed all expectations. His efficiency and meticulous attention to detail were incomparable. Daniel's profound knowledge of the mortgage industry was evident throughout our interactions. His deep understanding of the mortgage process instilled confidence, and his availability to address any questions or concerns was incomparable. If you're seeking someone knowledgeable, efficient, and dedicated to achieving the best outcomes for his clients, Daniel is the one to call. Thank you, Daniel, for your exceptional service!
I need to do this review because before working with Daniel Carillo we had a very stressful time looking for a home … but with one phone call to Daniel he helped us find the best realtor who was amazing ( Dario Alvarado) even my kids love Dario !!!very patient kind and extremely knowledgeable Encore is all About helping families … And I have to add the the process is very up to date with apps that make is so easy to upload your Docs… and see all updates on your loan process … Daniel and Dario make a great team together.. Thank you for helping us find our Dream home…
Encore Mortgage 🚨🚨🚨the best of the best!! Me and my husband were so nervous about buying a home and we had so many questions Daniel and his wonderful team made this experience smooth they are extremely nice professional and very smart .. They answered all our questions and helped us purchase our Dream home ✨ I am definitely referring them to all my friends and family …We’re so happy we found them …
As first time buyers, working with Louis (and his 27 years of experience!) was especially helpful. Since the beginning, he built a good rapport with us and always made it a point to explain things, share his insights and was very responsive to our questions throughout the process. Our closing happened very quickly and a lot of it was due to Louis being efficient and proactive at coordinating all the moving pieces to keep our case moving forward. We are grateful to Encore Mortgage and Louis for helping us buy our first home and hope we can continue working together in the future!
10 out 10 experience! I would strongly recommend having an introduction call with Elizabeth as the initial presentation is so thorough and enlightening. Elizabeth took the time to explain the full process with transparency and professionalism, and definitely committed to supporting her active and potential clients.
Louis was both professional and helpful during the lending process . He not only worked during normal business hours but well into the evening to ensure that we closed in a timely manner. We closed in less than 30 days. His ethics are above reproach, which is quite refreshing given todays business climate. When the opportunity presents itself, we will be sure to recommend Encore.
Recomiendo este lugar en especial Miguel flores me ayudaron con la compra de mi primer casa Muy buenas personas dios los siga bendiciendo gracias Miguel flores por tu ayuda y el gran trabajo bendiciones Encoré Morgate gracias Miguel flores
"Excellent experience at Encore Mortgage. I was not sure I would be able to qualify for a loan, but Estephany and Daniel provided me with so much helpful knowledge during my first visit. They showed me different loan program options that would fit best with my situation, explaining every step of the process and guiding me so I can soon begin my home buying journey. "
Hello, everyone I just want to let you know that Encore was a great experience!! They were always on top of everything and would always answer any questions I had!! Thank you Encore Mortgage for helping us start our new beginnings in our beautiful home!!