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Tami Encinas

Loan Officer CMG Home Loans NMLS: 507130
I am dedicated to guiding you through every step of the mortgage process with expertise and care. I understand the intricacies of mortgage financing and am committed to finding the right solution for your unique needs. Whether you're a first-time homebuyer or a seasoned investor, I'm here to provide personalized attention and streamline your path to homeownership. Reach out today and start the conversation and I'll help with the rest!

Call or email me today!
Phone # 360-631-2975
Tencinas@cmghomeloans.com



NMLS ID# 507130
CMG Home Loans NMLS ID# 1820
Equal Housing Opportunity
860 SE Bayshore Dr. Suite 101, Oak Harbor, WA 98277
Branch NMLS ID# 2477190
www.nmlsconsumeraccess.org
www.cmghomeloans.com/corporate/licensing
Mar 24, 2024
Tami was extremely helpful and professional throughout our entire house purchase process. In addition to researching all of our mortgage options and presenting us with the pluses and minuses of each option, she also helped guide us through much of the closing process as well.
I cannot recommend her strongly enough!!!
Mar 22, 2024
Home Owner
We would like to express my gratitude for the exceptional service provided by CMG Home Loans during the recent purchase of our new home. In particular, we would like to commend Tami Encinas and her team for their professionalism, expertise, and dedication throughout the entire process.

The purchase of our new home was intricately tied to the sale of an investment property, utilizing a 1031 exchange. This transaction presented unique challenges and complexities, requiring a lender who not only understood the intricacies of the 1031 exchange process but also possessed the agility and proficiency to navigate potential obstacles seamlessly.

Tami Encinas demonstrated an unparalleled level of knowledge and proficiency in facilitating the financing for my new home under these circumstances. From the initial consultation to the closing of the loan, Ms. Encinas provided invaluable guidance and support, ensuring a smooth and efficient transaction every step of the way.

Their proactive communication, attention to detail, and commitment to customer satisfaction were truly commendable. CMG Home Loans went above and beyond to address any questions or concerns promptly, alleviating any anxieties we had throughout the process.

Thanks to Ms. Encinas and the entire team at CMG Home Loans, we are now the happy owners of a beautiful home, and I can confidently say that their expertise was instrumental in making our homeownership dreams a reality.

We would wholeheartedly recommend CMG Home Loans to anyone seeking financing for their home purchase, especially those navigating complex transactions like a 1031 exchange. Their professionalism, integrity, and dedication to client satisfaction set them apart in the industry, and we are grateful to have had the opportunity to work with them.

Thank you once again for your outstanding service, and please extend my appreciation to Ms. Encinas and the entire team.
Feb 20, 2024
Executive Director
Tami was a very supportive and encouraging resource when it came to financing our home. She quickly provided us with a working number to begin our search, and when the time came to making the purchase she got us the best mortgage and financing available. No hassles. Always available to explain the terms and to coordinate with our realtor to make the transition smooth! Thank you Tami!
Feb 15, 2024
We were out of state when we suddenly needed to get approval for a home loan. Tami worked with us over the phone as we were driving to Whidbey to view a house that had just came on the market. Tami did wonders for us getting us approved before we even viewed the house. Her getting us approved made the difference for us in making an offer that was accepted that day! Later Tami arranged the loan in such a way to save us a significant amount of money.
We were never in the dark about the process as Tami always kept us informed guiding us at each step.
I highly recommend Tami, we are grateful for her efforts. We’re living the dream in this house thanks to her and her extended team.
Feb 15, 2024
My husband and I had the pleasure of working with Tami, our loan officer. We were buying a house on Whidbey Island and we lived in Puyallup, about three hours away. Tami helped us every step of the way and had excellent communication! We enjoyed working with Tami and her team and will continue working with her as we sell our home in Puyallup. Tami is hardworking and effective, and advised us and supported us throughout the process. We highly recommend Tami!
Mar 31, 2022
Tami is amazing!. Obtaining a mortgage is a monumental task, and she, along with her team, make it seem like child's play.

She is professional, caring, and very knowledgeable about the loan process. She goes above and beyond to help her clients.

She deserves 100 out of 10 stars!
Mar 28, 2022
Creative Director
Tami exceeded expectations. She not only provided everything I needed quickly throughout the process, she took time to explain details so that I fully understood all my options. She also provided much needed encouragement during a grueling house hunt process. I wouldn't recommend anyone else! Thanks again, Tami.
Dec 28, 2021
Tami was absolutely wonderful to work with! She was able to provide extra information along the way to help with decision making, and was always very timely about answering questions.
Dec 27, 2021
Tami and her team were incredibly helpful during the purchase of our home. We knew our situation could be difficult when purchasing from overseas during the holidays but with Tami and our realtor we were our always kept up to date along the way and closed in less than 30 days. Highly recommend Tami when purchasing your new home!
Nov 22, 2021
Tami helped us get our first mortgage and made the process go through smoothly and on schedule. She was very helpful every step of the way and comes highly recommended.
Nov 22, 2021
We interviewed a couple of other lenders before we talked with Tami. The phone call with Tami was totally different. She was friendly but professional. I felt comfortable with her immediately. She answered all of my questions and anticipated questions that I didn't know to ask without making me feel ignorant. Then when we told our agent that we were working with Tami, she said that was good because she was so well known for doing a good job that it would make our house offer stronger. It couldn't have gone better! I really felt like Tami had our best interests in mind. The transaction went smoothly and everything was ready to go ahead of closing.
Nov 1, 2021
From the first contact to after closing, Tami has been a true professional. Any questions asked were answered promptly with zero issues throughout the entire process. Some lenders said that we couldn't close in 30 days, but Tami accepted the challenge and we took possession 30 days after we were under contract. Thank you for such a great and professional service.
Oct 29, 2021
Amazon Risk Manager
Tami and her team went above and beyond! Let me start by saying My husband and I were in a completely different state when we began our house purchasing and due to work and other factors we were unable to do any actual meetings in WA. At first this worried me BUT Homebridge was honestly the best choice. The level of transparency and communication was better than I could have ever asked for! Tami and her team were always available, even now that we are in our house and everything is settles they're still such a reliable resource. I cannot recommend Tami enough! If you want helpful, kind, thorough knowledge and help you came to the right place!
Oct 22, 2021
Glad someone referred me to Hombridge for my mortgage refinance. Tami Encinas and Tina Silveira were very helpful and addressed all my concerns; I highly recommend this team.
Oct 15, 2021
Editorial Director
Tami helped our dreams come true - reliable, kind, fun to work with, and looking out for us in all the knitty gritty. I’m so glad she was referred my way - and that we finally found The One and (with Tami’s help) won it! Thank you, Tami & team!
Oct 13, 2021
Aviation Machinist Mate USN
I can’t fully describe how amazing of a job Tami and the rest of homebridge did for me in helping my buy my first beautiful home. She was available at all hours and that’s not an exaggeration, she was at the office getting a pre-approval written up at 11pm in the middle of the week! If it wasn’t for her I wouldn’t be living in my beautiful perfect first home. I wouldn’t go to anyone else but Tami to help me in buying a home here.
Sep 30, 2021
Realtor
I have used Tami both personally and recommend her to my clients. Tami has found the perfect balance of communicating just the right amount. She tells me what I need to know in a timely manner, but doesn't overwhelm me with updates. I love it. And she is great at crunching numbers and suggesting strategies that might work for each situation! 100% recommend!
Sep 28, 2021
Customer
Tami and team were fantastic through the entire process at keeping us updated as to what was going on and what the next step would be. She has even helped since the closing. We recommend her 100% and more! Thank you Tami!!
Sep 24, 2021
Tami helped us as a military family new to the Pacific Northwest to quickly secure financing for our home purchase . She got us a fantastic rate and her staff were helpful and easy to work with. Thank you.
Sep 24, 2021
Chief Information Technology Officer
Tami is an absolute pleasure to work with and the consummate professional. Working in IT, I greatly appreciate the technology behind web-based services. But regardless how good the technology is, the person providing the service is critical to successful processes and an excellent user experience. Tami is not only available and accessible, she has an intuition as to potential questions and issues and addresses them before they become problems. It is without reservation that I recommend her to all of our friends and family. If you want the best, work with Tami.
Aug 27, 2021
Tami Encinas was wonderful to work with just like always! Every time we have worked with her, she has been professional and friendly and so very helpful! We would highly recommend her!!!
Aug 17, 2021
Tami was amazing to us! Very easy to get ahold of and made the process so much easier.
Aug 16, 2021
Tami was very informative and responsive throughout the process.
It had been a while since we purchased a home, so I was very pleased to have someone who was quick to answer any questions I had and I felt she had
our best interests in mind.
Aug 16, 2021
Home Buyet
Tami was kind and efficient in all of her communication; she worked with us long distance and took us step by step when we needed it as first time homebuyers. We were kept updated at all times and the process was flawless. We appreciate all her knowledge and feel confident in our loan. I know if I ever have a question I can call her.
Jul 19, 2021
Tami was quick to get us approved for a loan when we found the home we didn't know we needed. Her and her team were easy to reach and were quick to answer any questions we had during the process.
Overall it was a great process and would recommend Tami to anyone I know.