Ready to buy your dream home? Start your purchase journey today with competitive rates and expert guidance.
Lower your monthly payments or access your home equity with our refinancing options.
Access calculators, guides, and tools to help you make informed mortgage decisions.
Learn more about our company, explore career opportunities, and discover our impact on the mortgage industry.
Choose an originator below to connect with them.
Rating: 5.0 out of 5.0 from Encompass Macy made everything seem easy and I was never feeling uninformed or anxious about the process. She is the BEST! CarmineNEW PORT RICHEY, FL Macy Griffin
Macy made everything seem easy and I was never feeling uninformed or anxious about the process. She is the BEST!
Rating: 5.0 out of 5.0 from Encompass Michael's communication was great and kept us informed throughout the process. Melissa MeideFleming Island, FL Michael Gayda
Michael's communication was great and kept us informed throughout the process.
Rating: 5.0 out of 5.0 from Encompass Michael was very reapinsive and helpful and went out od his way to make sure it all went well when there hiccups he atood up fixed them and showed hia commintment to making sure we were hapoy ans delivering the product he promised! Richard AFleming Island, FL Michael Gayda
Michael was very reapinsive and helpful and went out od his way to make sure it all went well when there hiccups he atood up fixed them and showed hia commintment to making sure we were hapoy ans delivering the product he promised!
Rating: 5.0 out of 5.0 from Encompass I’ve worked on dozens of transactions with Michael Gayda and his team, including Shannon Vargas, and they have consistently delivered exceptional service. Michael is an outstanding communicator who keeps everyone informed throughout the loan process, and he has a real talent for thinking outside the box to find solutions when challenges arise. Sh... IraPonte Vedra, FL Michael Gayda
I’ve worked on dozens of transactions with Michael Gayda and his team, including Shannon Vargas, and they have consistently delivered exceptional service. Michael is an outstanding communicator who keeps everyone informed throughout the loan process, and he has a real talent for thinking outside the box to find solutions when challenges arise. Sh...
Rating: 5.0 out of 5.0 from Encompass Macy is very personable, always availble, anticipates friction points, and quick to resolve issues. She is fabulous! Stephen PCrozet, VA Macy Griffin
Macy is very personable, always availble, anticipates friction points, and quick to resolve issues. She is fabulous!
Rating: 5.0 out of 5.0 from Encompass Excellent communication! Lisabelen A.SUFFOLK, VA Macy Griffin
Excellent communication!
Rating: 5.0 out of 5.0 from Encompass Mr. Bagby was very patient and understanding of my circumstances. I was told by one program that they could make it work. They dropped the ball and Mr. Bagby came and picked it right up and got to work on the behalf of me and my family. He kept me up to date on every step of the way. The absolute greatest part about working with Mr. Bagby is his h... LatoyaWILLISTON, FL Darrell Bagby
Mr. Bagby was very patient and understanding of my circumstances. I was told by one program that they could make it work. They dropped the ball and Mr. Bagby came and picked it right up and got to work on the behalf of me and my family. He kept me up to date on every step of the way. The absolute greatest part about working with Mr. Bagby is his h...
Rating: 5.0 out of 5.0 from write_review Shannon was great, I recently worked on a file as the TC and she was so great with communication, answering questions and following up on every detail ina. timely manner, absolutely would recommend Shannon. Hope to work with her again soon! Travis Shannon Vardis
Shannon was great, I recently worked on a file as the TC and she was so great with communication, answering questions and following up on every detail ina. timely manner, absolutely would recommend Shannon. Hope to work with her again soon!
Rating: 5.0 out of 5.0 from Zillow Shannon helped me and my wife refinance our home, guiding us through a new and what could have been pretty intimidating experience. She made the process smooth and she answered our questions clearly and patiently. We couldn't have been happier with the whole thing. When we were ready to look for a mortgage for a new place, she was the first person... JamesJacksonville, FL Shannon Vardis
Shannon helped me and my wife refinance our home, guiding us through a new and what could have been pretty intimidating experience. She made the process smooth and she answered our questions clearly and patiently. We couldn't have been happier with the whole thing. When we were ready to look for a mortgage for a new place, she was the first person...
Rating: 5.0 out of 5.0 from Zillow Shannon was our lender for our first time home buyer purchase. We ended up with first time homebuyers down payment assistance loan and then ended with NO CLOSING COSTS! We only had to pay for inspections! How AMAZING! She literally made our financial situation match what we could afford and estimated MORE during the process so that we could be prep... KalaOcala, FL Shannon Vardis
Shannon was our lender for our first time home buyer purchase. We ended up with first time homebuyers down payment assistance loan and then ended with NO CLOSING COSTS! We only had to pay for inspections! How AMAZING! She literally made our financial situation match what we could afford and estimated MORE during the process so that we could be prep...