Rates are based on a single family home, 721 Fico score and a 30 day lock period. Rate can change without notice. At Encompass Mortgage Services, Inc., Randy Adrian and his team take pride in great customer service. We are staff is here for you, so don't hesitate to contact us if you have any questions, problems or maybe a suggestion. We would love to hear from you.
We work with multiple lenders and we are able to provide our clients with extremely competitive pricing. Now you can do all your comparison shopping with one company without wasting time with several banks or brokers. We make sure our clients get the best support from our staff. We will walk you through the whole mortgage process and ensure your transactions close smoothly.
It's a great time to purchase or refinance, so let us walk you through the whole process. It's easy! You can also use our Get Pre-Qualified form on the right to receive a pre-approval letter that will help you find your home. No matter your needs, we are here to help!
We work with multiple lenders and we are able to provide our clients with extremely competitive pricing. Now you can do all your comparison shopping with one company without wasting time with several banks or brokers. We make sure our clients get the best support from our staff. We will walk you through the whole mortgage process and ensure your transactions close smoothly.
It's a great time to purchase or refinance, so let us walk you through the whole process. It's easy! You can also use our Get Pre-Qualified form on the right to receive a pre-approval letter that will help you find your home. No matter your needs, we are here to help!
Services
I have over 28 years specializing in residential mortgages and I am sure I will find a loan that fits your needs.
Unlike big banks that have "order takers" helping you with your loan, I have access to some of the best industry leading lenders in the country.
I know what it takes to get through underwriting quickly.
Also, the big banks have a limited number of lending options available and their loan programs are one size fits all.
Through Encompass Mortgage Services, Inc.
I have relationships with many lenders.
Unlike big banks that have "order takers" helping you with your loan, I have access to some of the best industry leading lenders in the country.
I know what it takes to get through underwriting quickly.
Also, the big banks have a limited number of lending options available and their loan programs are one size fits all.
Through Encompass Mortgage Services, Inc.
I have relationships with many lenders.
Purchasing a home is a very exciting time, and being well prepared will help you make better decisions.
Take this opportunity to learn more about home buying and the mortgage process.
Below and throughout this site you will find information that will help you with the purchase of your new home.
Buying a home offers many advantages, one of the most significant being that it allows you to build equity (ownership) when you pay your mortgage each month.
A common myth is that monthly mortgage payments are more expensive than rent.
Take this opportunity to learn more about home buying and the mortgage process.
Below and throughout this site you will find information that will help you with the purchase of your new home.
Buying a home offers many advantages, one of the most significant being that it allows you to build equity (ownership) when you pay your mortgage each month.
A common myth is that monthly mortgage payments are more expensive than rent.
Changing the terms of your loan can benefit you and maximize your monthly income.
A lower monthly mortgage payment can help free-up money so you can save, invest or use for other expenses.
When rates are favorable, refinancing to a lower rate or longer-term mortgage can keep more money in your pocket every month.
Use our easy Rate Quote on the right, to see rates with closing costs and check if refinancing can save you money.
You can also fill out our short application to see what rate you qualify for.
A lower monthly mortgage payment can help free-up money so you can save, invest or use for other expenses.
When rates are favorable, refinancing to a lower rate or longer-term mortgage can keep more money in your pocket every month.
Use our easy Rate Quote on the right, to see rates with closing costs and check if refinancing can save you money.
You can also fill out our short application to see what rate you qualify for.
An FHA (Federal Housing Administration) loan is a loan insured against default by the FHA.
In other words, the FHA guarantees that a lender won't have to write off a loan if the borrower defaults - the FHA will pay.
FHA loans are not for everybody.
Nevertheless, they are a great help to some borrowers.
FHA loans allow people to buy a home with a down payment as small as 3.5%.
Other loans might not allow such a low down payment.
This was the second time I had used Randy Adrian as my mortgage officer when purchasing a home.
In other words, the FHA guarantees that a lender won't have to write off a loan if the borrower defaults - the FHA will pay.
FHA loans are not for everybody.
Nevertheless, they are a great help to some borrowers.
FHA loans allow people to buy a home with a down payment as small as 3.5%.
Other loans might not allow such a low down payment.
This was the second time I had used Randy Adrian as my mortgage officer when purchasing a home.
A VA loan is perhaps the most powerful and flexible lending option on the market today.
Rather than issue loans, the VA instead pledges to repay about a quarter of every loan it guarantees in the unlikely event the borrower defaults.
That guarantee gives VA-approved lenders greater protection when lending to military borrowers and often leads to highly competitive rates and terms for qualified veterans.
Far and away, the most significant benefit of a VA loan is the borrower's ability to purchase with no money down.
Rather than issue loans, the VA instead pledges to repay about a quarter of every loan it guarantees in the unlikely event the borrower defaults.
That guarantee gives VA-approved lenders greater protection when lending to military borrowers and often leads to highly competitive rates and terms for qualified veterans.
Far and away, the most significant benefit of a VA loan is the borrower's ability to purchase with no money down.
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