Your Online Resource for Personalized Mortgage Loans
At Encore Mortgage, we pride ourselves on being a mortgage company that truly cares about the communities we serve. Our story began in Montebello, California, where we sought to represent the communities that we operate in. Our goal has always been to build a company that provides the best options for achieving homeownership.
Our Services
At Encore Mortgage, we understand that owning a home is one of the biggest investments you'll make in your life. That's why we're committed to helping you get into your new home on-time, at the lowest available rate, and with the best mortgage. We offer a range of services to help you achieve your homeownership goals.
Mortgage Options
We understand that every borrower is unique, and that's why we offer a variety of mortgage options to fit your needs. Whether you're looking to buy a home, refinance your current mortgage, or get cash out for debt consolidation, we have a mortgage option that's right for you.
Purchase Mortgages
At Encore Mortgage, we offer a range of purchase mortgage options, including:
- 30-Year Fixed Mortgage: Our most popular mortgage program, offering a low interest rate and fixed monthly payments.
- 15-Year Fixed Mortgage: Pay off your home faster and save thousands of dollars during the life of the loan.
Refinance Mortgages
Whether you're looking to lower your monthly payment, get cash out for debt consolidation, or take advantage of today's low interest rates, we offer a range of refinance mortgage options, including:
- FHA Loans: Qualify with a down payment as low as 3.5% and easy loan qualification.
- VA Loans: Enjoy $0 down payment, no monthly mortgage insurance, and low rates.
- JUMBO Loans: 5% and 10% down payment options, with low rates for fixed and adjustable terms.
Non-Qualified Mortgages
We also offer non-qualified mortgage options for borrowers with unique income qualifying circumstances.
ARM Loans
Ideal for borrowers who plan to stay in their home for less than ten years, our ARM Loans offer a low interest rate and fixed monthly payments for a 5, 7, or 10-year period.
Free Tools
At Encore Mortgage, we offer a range of free tools to help you achieve your homeownership goals, including a home value calculator and mortgage payment calculator.
About Our Team
At Encore Mortgage, we're proud of our team of experienced mortgage experts who are dedicated to providing exceptional service and ensuring that every borrower achieves their homeownership goals. Each member of our team is committed to providing personalized service, expert knowledge, and a smooth mortgage process.
Our Story
At Encore Mortgage, our story began in Montebello, California, where we sought to represent the communities that we operate in. Our goal has always been to build a company that provides the best options for achieving homeownership.
Summary of Reviews
Company Reputation
Reviews highlight a mixed reputation for the company. One reviewer had a negative experience, citing unprofessionalism and a lack of support from a branch manager, Omar. In contrast, multiple reviewers praised the company's professionalism, particularly working with loan consultant Daniel Carrillo.
Loan Process Experience
The majority of reviewers had a smooth and efficient loan process experience. They appreciated the quick turnaround time, honest communication, and professional guidance from Daniel Carrillo. One reviewer noted that the process was stress-free, and the company exceeded their expectations.
Branch Manager and Staff
Reviews mention two employees: Omar, a branch manager, who was criticized for being unhelpful and dishonest, and Daniel Carrillo, who received glowing reviews for his professionalism, knowledge, and friendly service.

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