What to expect
We understand that purchasing a home is one of the biggest purchases in a lifetime. We've streamlined our process to ensure that the experience of obtaining your mortgage is as smooth and stress-free as possible. Typically, once the loan documents are signed and delivered back to us, you’ll receive your funding in 5 to 7 days!
Why we should work together
The Musha Family
loanDepot congratulates Michael for his ranking as a Mortgage Executive Magazine Top Originator. He has also been recognized as one of the top performing Loan Consultants at loanDepot as a proud member of the Chairman's Elite.
With over 20 years in the financial industry and more than 15 years specializing in home solutions, today Michael is helping others realize their potential through real estate, as a trusted advisor and lending professional with loanDepot. He is detail-oriented, proactive and operates with a genuine sense of accountability and purpose.
Michael launched his professional career in the restaurant industry, quickly moving from an entry-level job into a managerial position. "I really enjoyed the opportunity to help develop people," he recalls. "It was so gratifying to assist others in finding their own paths to success." While majoring in Finance and Business in college, he worked as a financial services analyst, assisting clients in moving beyond personal debt. He then transitioned into the mortgage industry, where his personable approach and business savvy proved the ideal foundation upon which to build his career.
After a turn in the retail and builder sections, Michael returned to his roots in residential lending. He thrives in his consultative role, and appreciates the trust and confidence his clients and industry partners place in his services. Readily connecting with consumers and agents alike, he operates with efficiency and facilitates open and ongoing communication. "In the end," he explains, "my role is to correctly and effectively service the needs of my clients."
Michael is an empathetic professional who identifies the value of each person with whom he works, rather than simply putting together numbers. He is sensitive to cultural differences, celebrating the traits that make each client unique. "At the heart of it all we share universal truths," he observes. "Good business is conducted in relationships between people, where respect, communication and a symbiotic approach make the difference."
His clients agree. "Michael was exceptional," note the Herringtons. "He made the process so easy and painless, and always kept us in the loop of what was happening with our loan and what to expect next." Remarking on his outstanding follow-through the Herringtons add, "When everything was done and we moved into our new house, Michael showed up just to make sure everything was okay."
Michael specializes in meeting the needs of a culturally diverse population at every stage of real estate. From first-time buyers to seasoned investors, he delves into the process to identify each client's short- and long term goals, and to map a course designed to achieve their objectives. He joined loanDepot in mid-2012, and asserts that the company offers the support, services and products needed to succeed in a still-transitioning marketplace.
He is eternally optimistic, a believer in the value of positivity whose attitude is infectious. Michael is a thorough professional who values the opportunity to capitalize on success for himself and others. He's a competitor, too; a fierce warrior with a heart of gold. Michael has competed in organized athletics programs and is a talented violinist.
Reflecting on the projected course of his career, Michael is unwavering in his vision. "Success is earned," he states. "I'm not afraid to make something happen for myself or my clients. I believe that every challenge has a solution, and I work hard to ensure that I'm able to implement the solutions my clients need to reach their goals.
When considering the purchase of a new home, refinancing or obtaining additional property, please contact Michael for a personalized mortgage plan.
CA LIC# CA-DOC490811
Mortgage Education Videos
MichelleMcCoy70 from Simi Valley , CA via Zillow
Michael was super helpful and communicated with us thoroughly from start to finish. He walked us through every step and was always very patient and kind.
Cara Martin from Montclair , CA via Zillow
Michael was so amazing! We had a very fast escrow and they made it all happen. He is magic! He was so patient and helpful with getting all of our deadlines met and he made the loan process very easy to understand.
ronda1125 from Concord , CA via Zillow
This was s quick smooth process. Not my typical experience when home buying. Mike Encarnacion and tem were the best. I am using them for my next home purchase as well.
Tim C from Windsor Hills , CA via Zillow
Michael was great. We used him to refinance our mortgage, and he got us a great deal. He was always available and patient and always took the time to explain things in debt when we needed him to.
user91087652 from Corona , CA via Zillow
Michael handled our refinance. He has very thorough in all actions of the process.. Great communication, fast and efficient.. always made sure we understood what was needed to complete the loan process, made it super easy for us.. We closed quickly, and he saved us a lot of money.
Carrie Hernandez from Simi Valley , CA via Zillow
This is the second time that my husband and I have used Michael and his team at Loan Depot. We went through a home purchase the first time and just completed a refinance. We always have a lot of questions and need help every step of the way and Michael is always extremely patient and ensures that we are comfortable with all of the details. He came up with a solution that worked for us and the entire process was seamless. We are so grateful for his customer service and he even knows how to make us laugh along the way!
ny11mess from Rialto , CA via Zillow
We recently refinanced and Michael made every aspect of this process very easy. He is professional, knowledgeable and positive. I highly recommend going to him if you're buying a house or refinancing.
Kaylynn and Stephen from Simi Valley , CA via Zillow
Michael is amazing, he helped my husband and I buy our first home! He gave us all the information we could ever need to make informed choices and kept us up to date through the entire process, being just a text away at any time. This is something that was super important to us as we were very nervous and stressed out buying our first home. We cannot thank Michael enough for his help through the entire home buying process!
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Michael EncarnacionRancho Cucamonga Branch
I'll be in touch shortly, and look forward to helping you find the right loan to fit your needs.