What Working With Encore Looks Like
A clear, step-by-step roadmap — from the first conversation through closing day and every year after.
- Step 1
Consultation
We start with a no-pressure conversation about your goals, timeline, budget, and credit picture. You'll get honest answers — not a sales pitch — and a clear sense of what's possible.
- Step 2
Pre-Approval
Once we've reviewed your income, assets, and credit, you'll receive a real pre-approval letter you can actually shop with. We tell you the maximum number and the comfortable number — they're not always the same.
- Step 3
Shop
Pre-approval in hand, you start touring homes with confidence. We stay available to your agent for fast pricing scenarios, updated letters, and ballpark monthly-payment numbers on the fly.
- Step 4
Purchase Offer Accepted
Once you're under contract, we lock in your rate strategy, order the appraisal, and open the file with the lender best suited to your loan. The clock starts — and we keep it moving.
- Step 5
Conditional Approval
Underwriting reviews everything and issues a list of conditions. We work directly with you to gather what's needed, explain anything that looks confusing, and push back on requests that don't make sense for your file.
- Step 6
Clear to Close
All conditions cleared. We coordinate with the title company, review your final figures with you line by line, and confirm the closing details so there are no surprises at the table.
- Step 7
Post-Closing Guidance — Forever
Closing day isn't the end. You'll have a mortgage professional in your corner for life — for refinance check-ins, rate-watch alerts, future purchases, investment loans, or just a second opinion when you need one.
Ready to start step one?
A 15-minute consultation is the easiest way to find out what's possible. No credit pull, no pressure — just honest guidance.