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!
Oct 25, 2019
Pastor & Homemaker
Tami Encinas has been our Home Loan Specialist for three of our homes over the years and each time it has been a pleasure and because she is so experienced we can leave everything in her hands. Tami has gone above and beyond to get us the best loan and rate. We highly recommend her, she is highly respected & knowledgeable in her field!
Sep 28, 2019
Home Buyer
Best Mortgage Loan Expert (out of 8 home purchases)

I initiated my latest mortgage loan with Homebridge because of a referral from a trusted realtor. I stayed with Homebridge through three purchase attempts spanning 16 months because of Tami. She was amazing from our first encounter through closing: experienced, professional, available, responsive, vested, and genuine.
Tami delivered more than just better fees and product than the competitors who were clamoring for my business. When my health issues frequently impacted the mortgage process, Tami’s knowledge, integrity and empathy helped me persevere through them and into the home of my dreams!
Sep 24, 2019
Tami was amazing. Helped us through the painful loan process as painless as she could. Was always there for us. Always returned calls right away. Explained everything when we had to sign on line.
Always difficult signing documents when in another state, but Tami was there for us. Explained everything calmly when I got stressed out. Tami is a great asset to Homebridge. Would definitely recommend her.
Sep 18, 2019
Tami did a spectacular job. My husband and I were able to work with her prior to purchasing our home to find the best loan to fit our needs. When the time came to finish the paperwork,Tami was able to assist and keep us organized throughout the process. We recommend Tami without a shadow of a doubt!
Sep 16, 2019
We can’t thank Ms. Encinas and her team enough for all the work they did in getting a mortgage for us. They worked quickly and diligently and we were able to close in a timely manner. I would look at my emails and sometimes would notice that Tami’s were done late in the evening even though I know she had worked all day. Really dedicated person. She even emailed me while she was on a short vacation to let us know that everything would be ready for an earlier closing. She also handled the mortgage for the folks who bought our house and that too was done in a timely manner so it had no adverse effect on our closing only a few days later.
I would highly recommend Ms. Encinas and her team to anyone needing a mortgage
Sep 11, 2019
Tami is the quintessential Loan Officer. She was professional, patient and attentive throughout the loan process. During part of this process, Tami was out of the country on vacation. Not only did she continue to correspond with us on our loan, but also provided us the names and phone numbers of her Team in the office. We never felt "in the dark" about the process. We would highly recommend Tami, her Team and the Homebridge organization. Great job one and all!!
Roger and Melinda W.

Aug 21, 2019
I have to share that Tami Encinas is the best mortgage officer I have ever worked with. She is knowledgeable and very efficient. She provides quick and reliable service. And above all she has incredible integrity... I highly recommend Tami. So grateful for her and her team's expertise.
Aug 13, 2019
Tammy was excellent. She was very professional and extremely helpful in answering any questions we had come up at any time. I highly recommend her.
Jul 26, 2019
There’s nothing better than dealing with a person that knows their job. Coming from out of state to join my daughter in living there at Oak Harbor, Washington it was helpful to have somebody actually live there And know the Climate of the business there. I started off on the Internet and after several disappointments I was happy to be connected with Tami. She took us under her wings and guided us thru the whole process of securing a loan for us and we are now proud owners of a home. Thank you TamiπŸ‘πŸ™‚πŸ‘
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.

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