Michael Encarnacion

About Michael Encarnacion

The mortgage industry congratulates Michael for his ranking as a Mortgage Executive Magazine Top 1% Originator in the Nation. He has also been recognized as one of the top-performing Branch Sales Manager and a proud member of the Chairman\'s Elite. Today, Michael is helping others realize their potential through real estate, as a trusted advisor and lending professional with mortgages. He is detail-oriented, and proactive and operates with a genuine sense of accountability and purpose. 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.” 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 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.”Michael Encarnacion NMLS ID# 490811FBC Mortgage, LLC NMLS ID# 152859 Equal Housing Lender Arizona Mortgage Banker License# 09•••81 California - DBO Finance Lenders Law License# 60DBO44688. DBO Residential Mortgage Lending Act License# 41•••57. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act.

Experience

1. Branch Production Manager

   Tri Pointe Connect

   Jun 2024 — Present

   Branch Manager with over a two decades of robust experience in mortgage lending,characterized by pioneering sales strategies and enhancing operational efficiencies. Skillfullymanaged multimillion-dollar portfolios and led teams to top producer status by leveraging expertisein sales management and innovative mortgage products. Committed to transforming the mortgageprocess through visionary leadership and strategic foresight, aiming to streamline client experiencesand expand market presence.An experienced leader with a dedicated career in overseeing and executing performance andcustomer service goals. Manages the daily operations and workflow of loan processing, ensuringtimely approval and origination. Organizing, planning, and monitoring the Loan Officer team\'sactivities to maximize efficiency and productivity. Maintains expertise in the loan pipeline processand provides necessary training and guidance to staff. Conducts second-level underwriting reviewsand maintains a thorough understanding of the loan origination process. Develops and overseesproductivity and customer service metrics, aiming to meet or exceed set targets. Addressescustomer complaints and feedback proactively to maintain high service standards. Collaborates with HR to manage recruitment, incentives, and disciplinary measures for Loan Officers. Ensures consistent team performance through motivation, leadership, and regular evaluations. Fosters strong internal and external business relationships and stay informed on market trends and products to enhance expertise.

Education

• University of Phoenix

  BA Degree, Business Management

  1997 — 2001

• Jose Abad Santos Memorial School

  Elementary, Grade School

• Riverside City College

  Associate of Arts - AA, Finance and Financial Management Services

• Brent International School Manila

  High School

Skills

• Loans
• First Time Home Buyers
• Investment Properties
• Foreclosures
• Mortgage Banking
• Sales
• Real Estate
• Real Estate Owned (Reo)
• Working with Investors
• Working with First-Time Home Buyers
• Single Family Homes
• Va Loans
• Reo
• Sales Management
• Investors
• Refinance
• Fha
• Loan Origination
• Mortgage Lending
• U.s. Federal Housing Authority (Fha)
• Program Management