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
Here's what my clients are saying...
The Musha Family
Michael and Marissa went above and beyond our expectations. They both did a fantastic job, and got things
done in a very timely manner. We are very grateful for their expertise and hard work. We would highly
recommend them to anyone.
Richard S. , Yucaipa, CA
Our lender representatives, Michael Encarnacion and Marissa Moran, really did a good job in the processing and approval of our loan in a very timely manner inspite of the limited period of time that was given to us. I will highly recommend both of them to our relatives and friends who will need help in the processing of their loan. Again, in behalf of our family, our heartfelt appreciation and gratitude to both Michael and Marissa.
Miguel D., Eastvale, CA
Michael did a great job of explaining the different lending options and details involved in a home loan. He answered questions in a way that was understandable and not heavily infused with financial verbiage that is confusing to a lay person. Marissa was instrumental in making sure that all documents were submitted and in confirming that the schedule for closing and settlement were on track. Marissa certainly helped make the process much less chaotic with her organization and communication skills. When there was a question as to how much funds were needed for closing at the 11th hour, she spent the time on the phone so that the problem was found and the corrections would be made in time to close on the deadline date. Her help and patience are invaluable.
Miriam M., Beaumont, CA
Michael Encarnacion is an highly efficient and trustworthy business man. We are happy to be associated with him and his team.
Samantha S. , Rancho Cucamonga, CA
A huge thanks to you and your team for the tremendous job in getting the loan processed. You guys pulled that off in a much quicker time than I expected. The agent was pushing us so hard and you guys delivered. Nice! Thanks for all the individual attention and brainstorming different ideas about making this work. It’s great to have a partner in the lending world.
David V., Corona, CA
Michael and his staff were amazing during this entire process. I am a first time home buyer and everyone did their absolute best to educate me through the entire process... Thank you again!
Artisha W. , Beaumont, CA