find the perfect loan for your dream home

Making your dream of home ownership a reality.

why Work with us

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.

Loan options

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!

Fixed or Adjustable Rate Loans

Fixed rate loans have a rate that doesn't change. Adjustable rate loans (ARM) usually start with a lower rate that could go up or down after a certain amount of time passes.

Conventional Loans

Conventional mortgage loans often offer a down payment option as low as 3%.

FHA Loans

FHA mortgage loans are government-backed and usually offer lower minimum credit scores and downpayments than a traditional conventional loan. They are popular with first-time home buyers.

VA Loans

VA mortgage loans offer home financing options of no downpayment, no mortgage insurance and lenient credit requirements for active-duty military, veterans and eligible surviving spouses.

USDA Loans

USDA loans offer 100% financing (no money down required) for qualified homebuyers in more rural areas of the country; these are government-backed loans.

JUMBO Loans

JUMBO mortgage loans are loans for an amount that exceed the limits for conventional mortgage loans. High-value properties often require a JUMBO loan.

closing home loans with excellent service

With over 26 years in the mortgage industry, Wendy Cloud has the experience and knowledge to navigate through today’s challenging lending environment. She serves her clients with a professional, yet personalized, approach so they are sure to get the BEST loan options and client care possible.

She has detailed systems in place to ensure smooth and on-time closings without last minute surprises. Wendy is known for her excellent communication skills and outstanding customer service for her buyers, real estate agents and/or referral partners. She is a dedicated mother of 2 who enjoys volunteering in the community.

The Loan Process in 4 Easy Steps

1. Getting a Home Loan is Easy!

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.

2. House Hunting is fun!

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.

3. We're here every step of the way!

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.

4. Closing on your new home!

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!

What Our Clients Are Saying

“Wendy has great communication during the entire loan process. She was available to answer any questions that came up for my husband and I. Wendy walked us through the entire process of our purchase which made things zero stress for us. She is awesome!"

"We have worked with over 100 loan officers in our career as real estate professionals, and Wendy is a fantastic loan officer! She does a great job of communicating with us and our shared clients. Her experience and passion shows in how she serves her clients!"

"Wendy is a wonderful loan officer. She was able to close a difficult transaction for a client of mine in 2 weeks. She is determined, knows her loan products well and provides outstanding customer service. I highly recommend Wendy to be your go-to loan officer."

"I cannot say enough great things about Wendy Cloud. Due to my situation, she went through months of very hard work on my refinancing. She never gave up!! From the beginning through the end, she kept in contact with me and went above and beyond her normal loan officer duties to help me with things I didn't understand. This is the 3rd time I have used Wendy's loan services in the last 28 years. I would definitely recommend her for your loan needs. She is A++!!"

Mortgage Calculator

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.