Wow Service
We have excellent systems in place to provide step-by-step communication throughout the loan process from application to funding! It is our goal to provide WOW service to buyers and agents.
Best Loan Options
We go over all the options available for the client, so they can choose the best loan option for their family.
Buying Power Plan
If buyers are not ready to purchase or able to purchase just yet due to credit issues, funds needed for closing, or difficult timing, we give them the tools to help them move forward towards accomplishing their goals.
In addition to the loan programs listed below, we consistently help clients who need Cash-Out Refinances, DPA’s (Down Payment Assistance Programs), 1st and 2nd mortgage combo loans, reverse mortgages, Non-Qualified Mortgages (where the buyers qualifies by means other than income), DSCR (Investor Cash Flow programs), loans for primary residences, 2nd homes or investment properties. Call us today to chat about your options!
With over 27 years of experience in the mortgage industry, Wendy Cloud possesses the expertise and knowledge to expertly navigate today’s challenging lending environment. She offers her clients a professional yet personalized approach, ensuring they receive the best loan options and exceptional client care.
Wendy has implemented detailed systems to guarantee smooth and on-time closings, free from last-minute surprises. Renowned for her excellent communication skills and outstanding customer service, she consistently exceeds the expectations of buyers, real estate agents, and referral partners.
Beyond her professional achievements, Wendy is a dedicated mother of two and an active community volunteer.
The first step in getting a home loan is loan approval. Getting pre-approved gives you the peace of mind to house hunt with confidence. Once you complete the online application, Encompass Lending Group will review your credit report and financial documents for pre-approval.
The second step is finding your dream home. Now that you are pre-approved, the loan process has started and the fun of searching for your new home can begin. Relax and enjoy looking for your new home.
The third step is the loan approval. Once you have found your dream home and the seller has accepted your offer, the loan process begins. An appraisal will be ordered and the loan will be submitted to underwriting. Once everything is approved, the loan will be prepped for closing.
The fourth and final step is closing on your home. On the closing date, you will go to the title company and sign documents to finalize your home purchase. The celebration begins!
Click below and use the mortgage calculator to figure out an estimate for your monthly mortgage payments based on a variety of factors including home price, how much you put down, loan terms, etc.