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Buying a home, looking for a better rate, or cashing out?

We can help get you great rates and service with integrity.

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Our Story

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.


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.

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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.

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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.

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Encore Mortgage Team


5on GoogleOct 22, 2023

Excellent experience working on Our Refinancing Process with Daniel Carrilo. The achievement with his experience was to do what other Mortgage Companies could not. We were satisfied, grateful and confident in continuing with other processes. Thank You Daniel .


5on GoogleOct 17, 2023

Daniel Carillo was very knowledgeable and helped me with his expertise along the whole process. He answered my questions promptly and made me feel very confortable during the buying process. I recommend Daniel Carillo when planning to get a mortgage loan and or refinance.


5on GoogleOct 04, 2023

Excellent service, fast and smooth process, Daniel and his team are very professional. Highly recommend them. Thank you so much Daniel for all your help.


5on GoogleOct 04, 2023

I completely recommend Miguel and his team to help you in your needs in real estate! Their years of experience and expertise really shows when you give them a chance to work along side you! The entire process is straight forward, always quick to respond to you, and make sure they help you achieve your goal.


5on GoogleSep 20, 2023

Daniel and his team were wonderful from beginning to end through my first home purchase. I especially appreciated Daniel’s immediate response to my texts and calls and detailed answers and explanations. I recommend him and his entire team without reservation. Thank you Daniel!


5on GoogleAug 29, 2023

Conrad and team were AMAZING in walking me through my first home purchase. Their work was exceptional from start to finish as they were patient, thorough, and professional. Much appreciated Encore Mortgage, thanks again!


5on GoogleAug 23, 2023

Conrad was amazing - one bank told us a very high number and conrad was able to get us the same payment and save us 20k So happy


5on GoogleAug 20, 2023

Daniel Carrillo worked with us with our home buying experience! His professionalism and dedication in keeping us well informed in walking us through the paperwork with ease explaining everything clearly. I highly recommend Daniel from Encore Mortgage. This is truly a company you can trust!


5on GoogleAug 15, 2023

Miguel Flores went above and beyond for our first house purchase. I didn’t think it was ever possible to buy a house, but thanks to Encore Mortgage anything is possible with them. They made this process as easy as possible for my family and I. I will always be thankful and grateful for them. Miguel always kept me in the loop and informed me with any information. He always answered my questions. Thank you again Miguel. I’m so thankful I found you guys through goggle.


5on BirdEyeJul 19, 2023

I had a wonderful experience working with Elizabeth Merida through my home buying process. She was very attentive and informative from the very start to the end. Elizabeth was extremely patient with all my questions and concerns, if she didn’t have an answer right away, she would tell me she would get back to me instead of giving me wrong or misleading information. She was there for me every step of the way, from pre-qualification to seeing me get the keys to my new home. I would highly recommend Elizabeth to all family and friends seeking to buy a new home.


5on BirdEyeMay 10, 2023

¡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


5on GoogleApr 18, 2023

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.


5on GoogleApr 15, 2023

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.


5on GoogleMar 11, 2023

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


5on GoogleFeb 23, 2023

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


5on GoogleFeb 23, 2023

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.


5on GoogleFeb 21, 2023

Look for elizabeth if you want a really detailed and easy way to get a loan


5on GoogleFeb 17, 2023

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!


5on GoogleJan 13, 2023

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!


5on GoogleDec 25, 2022

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 .


5on GoogleNov 05, 2022

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.


5on GoogleOct 29, 2022

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 🙏🙏


5on GoogleOct 05, 2022

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.