Tami Encinas

Loan Officer Homebridge Oak Harbor NMLS: 507130

Are you looking for home financing? I do that! Homebridge Financial Services has an impressive variety of loan programs to suit many different situations. Whatever type of mortgage you are looking for, I am here to give you the options and guide you through the process. All you have to do is start the conversation and I'll help with the rest!

Call or email me today!
Jun 25, 2019
As a military family moving to Oak Harbor from Hawaii, I thought buying a home would be a difficult thing to pull off. Not so! Tami Encinas was amazing! She made the loan process so easy. I literally felt like I didn’t have to worry about anything which I appreciated so much. She answered my countless emails, phone calls, and questions immediately and helped me understand everything. She even talked to me about the area, schools, and other concerns I had that had nothing to do with my loan. I would recommend her to everyone!
Jun 11, 2019
Tami Encinas was a great help to me. I was on a ship in the middle of the ocean with limited connectivity and she was still able to reach me and get the job done. I highly recommend her.
May 31, 2019
Nurse Practitioner
Tami was absolutely wonderful with our home purchase. She was professional and so beyond knowledgeable. She was always there to answer all of our questions. We were very lucky to have had her through all of this. She made it seamless.
May 28, 2019
new home owners
Tami Encinas is fantastic to work with. Purchasing a home and getting a loan is usually a very stressful process...not so with Tami, she found us a loan with the best rate and terms!!! Tami is a professional, very organized and a great communicator and Very easy to work with.

Yes we highly recommend Tami Encinas for your next home loan you will be very happy you did we sure are.

Daniel and Marilyn Egler
May 16, 2019
Home Owner
Tami has refinanced two homes for me now, and each time has worked diligently to get the best rates, best closing costs "savings," and has always -ALWAYS- communicated with me every step of the way. Even when she wasn't able to help with a loan I was getting from a different bank, she was willing to sit and explain what they were doing because they flat refused or talked in circles. I've recommended her to several people who have purchased homes or refinanced using Tami, and I'll never use anyone else.
Apr 16, 2019
Tami was phenomenal! She is very knowledgeable and helpful. If we decide to purchase another house we will definitely be using Tami again! 5 stars!
Mar 5, 2019
In three words or less; Tami is Amazing! This is the second time she has processed a loan for me. One refinance and one new purchase. Her knowledge and expertise are above reproach and she is always available for advice and/or guidance. She not only walks you though what is required, but explains the reasons behind doing so to help educate you along the way. She makes it look easy, but she will bend over backwards and if there's a way to make it happen she will do it. She is a true master of her trade.

I can think of no one else I would want to help me purchase a home!!
Feb 21, 2019
Was an amazing loan officer. She took the time to listen to me and my family concerns. She made sure that we understood everything as we moved forward in the process. I would definitely recommend her to everyone that I know.
Feb 15, 2019
Tami found ways for us to save money on our home loan. She was great to work with. We appreciated all the effort she put in to make the process easy for us.
Feb 12, 2019
Tami did a wonderful job of ensuring our home loan was successful. Great communicator and trouble shooter during the month it took to get our new house. Very friendly and accommodating to all of our needs. I can definitely recommend Tami and HomeStreet bank for a mortgage.
Jan 31, 2019
Tami is amazing to work with. We have bought several homes through her and she never disappoints. Always there for you, Very knowledgeable & trustworthy.
She makes you feel comfortable with your decisions and always gets the best deal. We would never buy a home without her!! Such a great gal to work with.
Jan 30, 2019
I want to thank Tami for a wonderful experience during the purchase of my home. Tami was diligent, fast and wasted no time getting the loan done. She would check her emails on the weekend and respond within hours. I highly recommend Tami ! She will get the loan loan done for you without stress and in a timely manner! Plus additional bonus ( Apple Pie on Thanksgiving for clients! )Nice touch Thanks Tami !
Jan 23, 2019
First time home buyers, young, military couple.
Tami was incredible from the very first time I met her, not only making us feel at ease with any questions we had but helping us make decisions best fit for our financial situation at all times. Her quickness and efficiency made it possible to close a week earlier than planned saving us hundreds of dollars in hotel and moving fees. We highly recommend Tami, we know without a doubt we would go through her again.
Jan 22, 2019
Retired pastor and hospice professional respectively
Tami is the extremely skilled and a consummate professional loan officer. She guided us through the process with ease and kept us informed each step of the way. Tami comes from a family involved in the business of real estate and loans. She began her own professional career in her mid-20s. We could not recommend Tami any higher than a five of five stars.
Dec 21, 2018
Our Loan Offices, Tami Encinas, was recommended to us by our Realestate Agent, Marissa Evans. While visiting Oak Harbor on Whidbey Island in mid September of 2018, we fell in love with the island and decided to leave Colorado and move to this Washington State island. As promised by Marissa, Tami did a great job helping us with the paper work for our loan approval even so we were still residing in Colorado approximately 1300 miles away. The holiday season is upon us and here we are in our new home in Oak Harbor thanks to Tami's dedicated work effort.
If you need a Loan Officer to work with you please contact Tami Encinas.
Dec 21, 2018
Tami made buying my first home a stress-free experience and if I ever decided to buy a home again I definitely know who I'm calling. Having her support was worth more then what paid, no matter the time or day I was able to call her. My knowledge for home buying was a zero so I did have a lot of questions. If you're looking for someone to help you buy a home well the search ends here because you've found her.
Dec 18, 2018
Registered Nurse
Tami Encinas was instrumental as our loan officer in providing a clear and direct pathway to move forward in our house buying process. In our first visit, we came to Tami with presumptions that we didn’t have many options to move forward to by the house of our dreams. Tami was able to give us a complete education of the loan process and specifically to our needs regarding a VA loan. She was able to give us knowledge and insight we had no idea that was available to us. In our first visit, we walked into her office heads down and left with heads held high! Tami was amazing throughout the loan process, covering all details handling any “hiccups” through the process that came up. I continually “bragged” about Tami to my friends and coworkers throughout our loan process, touting her professionalism, knowledge and availability she had for us. Tami was always expedient in her communication with us and took the lead many times when others where not as experienced in the process. I HIGHLY recommend Tami to be their loan officer. They will not be disappointed. She’s a professional through and through! Thank you Tami for helping us obtain the house of our dreams!
Warmest regards,
Kyrstie Sinchak
Dec 3, 2018
Tami has helped me with with my last two homes and a couple of refinances. She has always make it super easy for me to get this done without missing work. It’s an intimidating process and she walks you through step by step. I will definitely come back to her and recommend her to my friends and family.
Nov 27, 2018
Construction Inspector
This is the second home loan that Tami has helped us with and it was a great experience both times. Customer service is something that is getting harder to find anywhere, but Great customer service is what Tami provides.
When I need another home loan there is only one leander one my list.
Thank you Tami, have a Merry Christmas.
Daniel & Ginger
Nov 27, 2018
I can’t recommend Tami enough. She was easy to work with and helped me naviagate the mortgage process.
Nov 15, 2018
Active Duty Navy
If you’re thinking about going through one of those big name lenders and dealing with them over the phone every time (IF you can get a hold of them), do yourself a favor and just stop right there.

There was an episode of The Office when Dwight and Jim were pitching to a potential client. The strategy was to emphasize their excellent customer service. At the end, Dwight handed the potential client his business card and said “it’s got my cell number, pager number, home number and my other pager number. I never take vacations, I never get sick, and I don’t celebrate any major holidays.” Needless to say, they got the client.

Now, I’m sure Tami takes a vacation occasionally and celebrates holidays, but I’d never know. Her incredible customer service might be the best my wife and I have ever experienced. A lot of situations that could have just been simple Q&A’s turned into full conversations that left us feeling both more knowledgeable and confident in the home buying process. By the way, we are first time home buyers so there were several questions we peppered Tami with along the way.

HomeStreet not only beat the “big name” companies out with their offered rates, but provided unparalleled customer service that made our home buying experience an absolute joy.

It’s with my highest recommendation that if you’re looking for a lender, pick up your phone and give Tami a call. I’m certain that your first Q&A conversation with her will lead you on a path similar to the one we experienced.

Thanks again, Tami!
Nov 14, 2018
Tami Encinas is a rock star. We have worked with her for 3 loans to include a VA, conventional and home equity loan. Although we no longer live in Washington, when we started looking for a home in Cali we immediately called her to start the process because we enjoy working with her so much. She has earned our business and our trust. She has held our hand through each loan process, and answered the phone after working hours when we had questions. She has always made us feel like she has our best interest in mind. Work with Tami, you wont be sorry you did.
Oct 18, 2018
Ivonne Torres
Tami did such a great job helping us with our mortgage loan. She is very knowledgeable and helped answer any questions we had. As first time Holme buyers we were unfamiliar with the process but she took the time and explained everything and broke down all the numbers for us. Not only was Tami very kind and friendly, she was also very speedy through the process. She helped us close on our house faster than any of the other lenders we talked to could even offer us. I recommend Tami Encinas to anyone looking for a kind, knowledgeable and fast working lender.
Oct 4, 2018
Tami helped make the process of buying our second home an efficient and stress free experience from the financial side of things. She took the time to explain details. Ultimately, she helped us feel more comfortable in determining what choices were right for us. Thank you Tami!
Sep 12, 2018
Retired US NAVY
What an easy experience working with Tami and Home street Bank. Tami was recommended by a friend and from start to finish by far the least amount of effort of any prior home purchases. Super helpful going over our finances and preparing us for the closing. I would defiantly recommend her to anyone thinking of shopping for a mortgage.
Thanks for everything.
The Towsley's

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