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

  • 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

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.

Juantr0388@gmail.com

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

Martha Ena

5on GoogleFeb 05, 2024

Buying our first home was probably the best and easiest experience thanks to Deborah! She is very knowledgeable in her line of work, and recommended the best options for us. She was always available and would take her time to explain in depths any questions or concerns we had. From the day of our first meeting, she was optimistic and wanted to help us. We trusted her, and knew she had our best interest in mind. She also recommended an excellent realtor, which we all made a great team! We cannot wait til we get to work with her in our future endeavors. We highly recommend her and her team for anyone interested in buying a home. In a market like today’s, you want someone who knows what they are doing and cares for their customers, that’s Deborah. Thank you Deborah for everything, we greatly appreciate you.

André M

5on GoogleFeb 05, 2024

100% recommended! Excellent service and very helpful throughout the process. Deborah helped us get our first home in a very easy process. We are really happy with it! She was always available to answer any questions or concerns. Most importantly she took the time to explain the process and other questions we had. We were at ease knowing she was recommending the best options for us. We are looking forward to working with her in our next ventures, and would highly recommend her services to anyone buying a home. Our best decision was allowing her to guide us during such a tedious but exciting process. Thank you so much Deborah! We appreciate all your hard work.

Angel

5on GoogleFeb 05, 2024

I really recommend Encore Mortgage and Daniel Carrillo , really professional and knowledgeable. If you really want to get a home loan he is your guy. He will get you to where you want to go. I can’t enough about this gentleman. Next time you’re looking for a home loan check out Daniel Carrillo, I guarantee you won’t be disappointed.

Mario

5on GoogleFeb 02, 2024

Angelina is a great advisory agent. She knows her work throughoutly and without hesitation she finds the right answers to the questions I had. Even though, we cannot come out with a deal she cares for her costumers on duty and off duty. She is an outstanding agent in which the words I can express they have not been created.

Paty

5on GoogleJan 31, 2024

Estoy muy contenta con toda la explicación qué nos dio, usted es una persona muy profesional, y quiero agradecerle mucho angelina por su tiempo, ahí seguiremos en contacto.

Juan

5on GoogleJan 31, 2024

Since the first time that I met Deborah Gonzalez, I noticed that she carries an aura of trustworthiness and empathy. In the type of work she dedicates herself to, trusting one another is crucial for a productive result. She's the definition of the saying " where there's a will there's a way. During this transaction, she explained what she needed and the reasons. She was very thorough and professional. If you're looking for someone knowledgeable, trustworthy, and who delivers results for any of your Mortgage needs; Deborah is the person to get on your team. Thanks! For helping me through the process of purchasing my home.

Yoni

5on GoogleJan 30, 2024

Deborah was a great help to getting qualified and refi on a house I had with hard money. Everyone has DSCR programs but I liked that she gave me 3 prices depending how much I wanted to refi and including the taxes and insurance. Totally recommend her

Diamond

5on GoogleDec 13, 2023

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.

Deysi

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 .

Iveth

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.

julian

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.

Donald

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.

M

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!