• We have an A rating with the Better Business Bureau.



                          You won't believe the money you save.


  •             We specialize in Government Relief Programs

                                 If you owe more than the home is worth, HARP may be for you!

                    We work for you, your satisfaction always comes first. 





Our knowledgeable Loan Service Specialists will help answer your questions and help provide you with a pleasant home buying or
mortgage refinancing experience

Feel confident with your home purchase

Find security with our 10 Year Rate Protection Guarantee


      At Encompass Home Loans, we want to make the process of buying a home or refinancing your current mortgage as affordable and uncomplicated as possible.  Our “boutique style” approach allows for more personal attention and follow-up with clients and distinguishes us from the others.

We display understanding and empathy in our dealings with First Time Homebuyers and demonstrate emotional awareness with all our clients. With 24-years of industry experience, we walk you through the entire process and explain the various loan programs available to our clients.

Buying a home is probably the biggest financial commitment you’re ever likely to make. At Encompass Home Loans we will guide you through the home financing process and help you make intelligent, informed decisions.


"My 30 year interest rate was in the low 4's for free. Smoothest loan I've ever closed"

Larry Benson 
Escondido, CA


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