E XECUTIVE AGENT MAGAZINE
TM
Written by Steven McReynolds
We have a loan for every home... simple as that.® Education and Dedication A positive attitude, hard work and discipline come natural for Michael. He emigrated from the Philippines as a teenager, an experience that taught him the value of hard work in new, unfamiliar environments. These traits helped Michael shine when he took an entry level job at a restaurant -- then rose to a management position largely due to his love of helping others develop their full potential. Today, he’s living out these same values as a loan consultant, helping his team members reach their full potential and his customers achieve their goals through sound financial transactions. Since beginning a career in the loan industry in 2002, Michael has become a top producing and trusted professional. His dedication to continually staying up on changes in trends and regulations, and always seeking to improve his skills as a loan consultant, ensure Michael remains successful. Michael is Eliant certified. He’s also an avid learner, attending workshops on topics such as sales, motivation and self-improvement. He reads autobiographies of successful people and businesses, including Howard Behar’s “It’s Not About the Coffee: Lessons on Putting People First From a Life at Starbucks,” and “Pour Your Heart Into It: How Starbucks Built a Company One Cup at a Time,” by Howard Schultz.
Team Encarnacion
F
or home buyers, qualifying for a loan can generate many feelings: fear, anxiety, excitement, joy, dread. But one visit with Michael Encarnacion, a loan consultant with imortgage in Rancho Cucamonga, and clients quickly forget about those negative emotions – in fact, they’re pleasantly surprised to find out just how comfortable the process can be.
Thanks to a stellar track record of professional service, Michael knows how to put his clients at ease and provide the best service possible. “I believe that good sales is leading people to a decision that is good for them,” he says. “We will not bend the truth to make a sale. We believe that our business can be successful only if we continue a tradition of trust.”
ExecutiveAgent Magazine
This knowledge also pays off for his clients, whom Michael educates about loan options for their specific situation. “By educating our consumer/borrower, we give them the information they need to make the right decision,” he says. “All this is tied to the foundation of communication. Whether good or bad, it is the key component in any customer service. Communication will also make all parties in the transaction, especially our borrowers, feel comfortable about our solution or home loan strategy or the process itself.” Trusted and Highly Skilled When customers contact Michael, they can expect a fast, hassle-free process. It’s an approach he has made a priority since he began working as a financial services analyst in 1997. The key, he says, is to properly diagnose a person’s financial situation so he and his team can provide a solution ASAP. “We need to determine whether they are ready to purchase now or sometime in the future. If in the future, we provide a strategy or a game plan to help get them there.
In doing so, you earn trust and value. In turn, they become loyal and will work with you to purchase a home even if it takes them two years or more.” And along with the knowledge and honesty of Michael and his team – production assistant –Marissa Moran and loan specialist Agnes Santos-Claveria – imortgage also provides resources that make the loan process transparent and easy. Michael, who joined imortgage in 2012, is quick to highlight the company’s flexible loan products, competitive rates plus its proven track record, financial strength and integrity. “Our unwavering commitment to excellence in these three key areas has earned us a reputation as one of the most well-respected mortgage companies in the industry,” he says. “We are fully approved direct lender for FNMA, FHA, VA HUD and USDA. In addition, we have become experts in our state and local government loan programs.” “imortgage works hand-in-hand with our banking partners to provide innovative mortgage solutions to our clients.” Maintaining strong integrity and helping people buy their dream home without tricky, confusing loan practices is something Michael and his team take great pride in. Every customer gets the same high-caliber service. “I am grateful and inspired to be working with a select team of professionals whom I believe are the most capable, honest and hard-working in the industry,” he says. “We believe that working hard at something you love to do, with people you trust, is one of the greatest experiences in life. We love to help our customers get into a house that can become a happy home and we are devoted to our family, our colleagues, our community and our country.” Michael Encarnacion imortgage 8686 Haven Ave., Suite 150 Rancho Cucamonga, CA 91730 Tel: 909.912.7810 Michael.Encarnacion@imortgage.com http://www.imortgage.com/Michael.Encarnacion NMLS ID 490811
ExecutiveAgent Magazine
imortgage is licensed by the CA Department of Business Oversight, CRMLA 4131040. NMLS ID 174457. Equal Housing Opportunity. All rights reserved. 2014.