Welcome to Encore Mortgage ⭐⭐⭐⭐⭐

I am Alma Ramirez and I want to help you!

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

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A little About Me

Alma Ramirez

Mortgage Banker | NMLS#: 1927345

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

  • Daniel Carrillo

    CEO | NMLS#:380277

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

Vanessa

5on GoogleSep 19, 2024

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!

Eric

5on GoogleSep 18, 2024

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.

Ohcillababy

5on GoogleSep 11, 2024

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!!

Gabriel

5on GoogleJul 29, 2024

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!

David

5on GoogleJul 01, 2024

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!

David

5on GoogleJun 28, 2024

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 😄

Louis

5on GoogleMay 21, 2024

@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.

Beto

5on GoogleApr 26, 2024

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.

Aracely

5on GoogleMar 27, 2024

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!

Victor

5on GoogleMar 27, 2024

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…

Candice

5on GoogleMar 27, 2024

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 …

Alex

5on GoogleMar 19, 2024

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!

Kevin

5on GoogleFeb 25, 2024

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.

Susan

5on GoogleFeb 20, 2024

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.

[email protected]

5on GoogleFeb 16, 2024

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

Lupe

5on GoogleFeb 16, 2024

I’m a first time home buyer and Daniel has made this process so easy because every time I have a question and text him he’ll reply within 10 min with a text or call and make everything seem easy.

Jesse

5on GoogleFeb 15, 2024

"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. "

Jonathan

5on GoogleFeb 15, 2024

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!!

Minerva

5on GoogleFeb 08, 2024

My highest recommendation to Daniel Carrillo for a doing an excellent job getting my loan documents completed and managing my loan process in a professional manner. By far, it was not an easy loan process. His 20+ years of experience was the reason, in my opinion, my loan was approved. I am very happy with the outcome. Come the first break of interests being lowered, Daniel is the person I will call to get refinanced. Many thanks to Daniel and his team for a job well done.

Jose

5on BirdEyeFeb 07, 2024

I highly recommend Encore Mortgage. Miguel Flores has exceptional customer service, he is always looking out for the clients best interest. He is very helpful and is always available to help any day any time. He made our process quick and easy!

socorro

5on GoogleFeb 07, 2024

Miguel was an exceptional help in my need for loan and housing prices. ENCORE is lucky to have such a great asset. MR Flores smells a 5 star experience lol.

Blesssing

5on GoogleFeb 06, 2024

I am currently in a process of closing purchase a duplex with this mortgage Company and the contact person Miguel is very professional and on top of everything . I am happy and very optimistic that it will be a favorable ending, but before we close the deal, I just want to give a loud shout and say don’t go anywhere else until you try them.

Juana

5on GoogleFeb 05, 2024

Great experience. Miguel really helped us understand the process and was available when we contacted him of we had any questions. Everybody that works Miguel is friendly and helpful. Thank you for making the process easy :)

Maria

5on GoogleFeb 05, 2024

Muy profesional, puntual y eficiente. Cualquier duda fue aclarada hablan español e inglés es una segunda experiencia con un mortgage banker y esta es la mejor. Gracias a Miguel Flores