About Tami Encinas

You must be looking for home financing. I do that! Homebridge 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!

What Our Customers Say About Me

Michael J. – June 2020
“I highly recommend Tami Encinas and Homebridge Mortgage for your purchase or refinancing needs. You can expect to receive the best customer service, market and process knowledge and communication from her. In our situation we entered the market as COVID-19 was becoming a reality and she did an amazing job of working through the process and communicating every step of the way. Tami will make sure you know what to expect, and help equip you to make decisions you feel confident in. The best person involved in the process was Tami and we would recommend her and Homebridge to anyone who values their service and competitive rates. We appreciate Tami!”
Kurt B. – May 2020
“Tami made the process smooth and seamless for us. She had a solution to any wrinkle we ran into. She is personable, communicative and thorough. She went the extra mile for us and even in the midst of the current challenges of Pandemic. She found a safe way to make it happen. We would highly recommend her to anyone looking to purchase a home! Thank you Tami!”
CHAD A. May-20
“She was amazing! Made the process easy, understandable, convenient and quick.”
Chad A. – May 2020
“I'm so glad our realtor found Tami. She was a diamond in the rough. Tami helped us out every step of the way and made this entire home loan process unbelievably easy. I will 100% recommend her to all my friends who are looking at buying a home or even refinancing. Thanks Tami!”
HEINZ R. Apr-20
“We have never worked with Homebridge Financial. Again, Tami Encinas is precise, knowledgeable, never leaves you hanging and always returns your calls promptly. To work with Tami is very easy and very comfortable.”
MICHAEL J. Apr-20
“I am very pleased with the great service provided by Tami Encinas and Homebridge. She went above and beyond to keep me informed and made the process seamless. She always kept me up to date with even little details because she really wants to keep her clients informed. She knew that I was very interested in markets and rates, and even shared helpful information to provide market insight during a very volatile time. She provided an honest lock vs. float recommendation, which was sound advice that worked out well. She even renegotiated a better rate after the lock. I can't imagine having a better person to assist with such a big financial commitment. Tami, thank you for everything!”
LINDA M. Mar-20
“Tami was very professional, always answered my questions in a timely fashion and took me from the offer to closing in less than one month. She was very easy to work with.”
CANDICE M. Mar-20
“Tami is truly amazing and very knowledgeable! She truly cares and helps you make the best choices. And she is very detailed which I really appreciated. I was able to understand clearly. Just seriously a great person to work with. I can't thank her enough for hanging in there with my husband and I since we first started looking for a home. We never once felt like she was ignoring us or forcing us to choose a house.”
George F. – May 2020
“Tami was extremely helpful in the buying process of our new home. She provided multiple options, and detailed estimates. Additionally, she was always available for questions and would take time to get back to us with as much detailed information as possible. I would highly recommend Tami!”
Stephanie M. – Apr 2020
“We were recommended to Tami by our realtor. I had told our realtor that I had previous experiences where I felt like they never understood exactly what we were after and always wanted me to tell them what it was that we wanted them to do, but this is why one goes to a professional...because they themselves don't know what to do. As a client, I expect the professional to know what is out there to help me achieve my end goal, even if I don't know exactly what that process is. Tami was the professional to do just that! We shared with Tami our concerns, stresses and our current situation in looking to purchase a new home. After one meeting with Tami, I felt like she heard us and understood what we were asking of her. She was extremely knowledgeable with the different loans available to us and the best and worse case scenarios of them. Tami not only took the time to explain different options and scenarios, but she made sure we actually understood what she was telling us. Tami was always quick to respond to emails, no matter how involved our question was. Tami loves what she does and it shows with her dedication to her clients!”
Brandon T. – Apr 2020
“I have gone to Tami twice now for financing. Using her for my initial purchase of my home while I was still stationed in Hawaii made the whole purchase process simple for me, and kept everything moving smoothly. There was no doubt we wanted to go back to her for a refinance after our loan was bought by another firm. As with or first experience with Tami, the second went just as smoothly. She was always available to answer texts, emails, and calls if we had ANY questions and answered everything quickly and clearly. I have already recommended her to several of my colleagues and friends, and will continue to do so whenever I hear someone mention home financing.”
Michael C. – Apr 2020
“My wife and I had the pleasure of working with Tami throughout our home purchase process. We found her to be very professional, knowledgeable and always available to answer all of our many questions. She provides excellent customer service and I will always highly recommend her to family and friends who are in need of such services.”
Brian T.- Apr 2020
“Tami was referred to me and this is the second time I have used her as my loan officer. Tami is creative and has been able to provide excellent solutions for my real estate transactions. Her attention to detail and commitment to incredible customer service makes the loan process easy.”
Linda M. – Apr 2020
“Tami walked me through the loan process from beginning to end. She kept me informed every step of the way in a professional manner with a very knowledgeable understanding of her industry. The loan was closed in just under four weeks When it became apparent that it could be done one week sooner, Tami worked quickly to make it happen. I would recommend Tami to others seeking a home loan as she makes the experience a pleasant one.”
Candice M. – Mar 2020
“My husband and I spent almost a full year looking for a home and Tami was our go to person for all questions regarding estimates for every home we were interested in. She is very quick to respond and also didn't give up on us whenever we had a change of mind on a home, or was outbid. She even took the time to sit with us and discuss more options and help us find a clear direction on what we were looking for. Once we went under contract with the home of our choice Tami and her team were there every step of the way. We had a very smooth and enjoyable closing. We even got to close earlier than expected since everything went so well. I cannot thank her enough for everything! I highly recommend working with Tami. She will not disappoint and even if something goes wrong, she will be right there with you going through the options. Very reliable, knowledgeable, and dependable, and just a great human being.”
Luke S. – Feb 2020
“Tami Encinas was by far and above the best mortgage agent I have had the pleasure of working with for a home re-finance. I met with 3 other agents prior to meeting Tami and was blown away by her willingness to engage in the details of a cash out refinance vs straight home loan vs home equity loan vs home equity line of credit. She ran the numbers of each and demonstrated a thoroughness and knowledge that is a credit to her profession. She answered all questions quickly and timely and made the process of refinancing simple and easy while working towards my personal goals. I cannot say enough good things and highly, highly recommend Tami!”
Marcus Z. Sep-19
“Couldn't have asked for better assistance and timeliness. Very good experience working with Ms Encinis and her co-workers. Thank you”
Lori P. Sep-19
“The primary reason I started with Tami (Homebridge) was realtor referral. The primary reason I ultimately stayed with Homebridge (through 3 purchase attempts spanning 16 months) was Tami. I experienced problems throughout the mortgage process due to my health issues, anxiety, and indecisiveness. Tami came alongside from the very beginning, navigating the process for me and patiently answering all of my questions; usually more than once. Tami was amazing from our first encounter to post closing: always available within a reasonable timeframe; always patient and courteous; always provided clear, timely explanations; genuinely vested in my best interests; and delivered far better customer service and fees than the competitors who were clamoring for my business (including Quicken). Tami stood head and shoulders above the others due to her exceptional knowledge, professionalism, integrity, empathy, and commitment to meet my needs. Even if Homebridge's fees were less competitive, I would have stayed with them because of Tami.”
LJ P. – Oct 2019
“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!  ”
Andrea H. – Sept 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.”
Jennifer H. – Sept 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!”
Marcus Z. – Sept 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”
Roger and Melinda W. – Sept 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.”
Jodi Hinkelman
“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.”
Cameron Fisher - Retired
“Tami, 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.”
Mike Linder - Client
“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!!”
Brandie Duda - Teacher
“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!”
Jenn Gravel - 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.”
Edel Reinke - Retired
“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. ”
David and Colleen Lura - 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. ”
Alexandria Galosi - 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.”
Chad boyer - Teacher
“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 !”
Patricia Lamar - Client
“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.”
Charles Betker
“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 Homebridge bank for a mortgage.”
Alana Steppe
“I can’t recommend Tami enough. She was easy to work with and helped me naviagate the mortgage process. ”
Daniel Varner - 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 ”
Hae Ryung Park
“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. ”
Kyrstie - 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 ”
Wilson Jr Munoz
“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.”
Joe and Amanda Towsley - 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”
Aisha Mayfield
“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!”
Ivonne Torres - 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. ”
Tara palmer
“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.”
Matthew Geczy - 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. Homebridge 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!”
Christina kroll
“Tami did an amazing job keeping us informed every step of the way. And even when it look like we hit a roadblock due to some unforeseen circumstances Tami was able to get an exception and allow us to sign for our house. So grateful for her.”
Ken and Lori English - Retired Navy now living the dream
“Tami Encinas is by far the most competent, professional loan officer we have ever worked with. We cannot recommend her more! This is our fourth transaction with her-- every one has been flawless. She is so excellent that we sought her out after our move to Arizona where she continued to make a complicated process seem easy from 1500 miles away. She wrote us three pre-qualification letters on a holiday weekend so we would be prepared in a HOT market! Even my realtor can not stop talking about what an awesome job she did. She has been and remains our number one go to person with any of our mortgage questions or needs. You will not find a more knowledgeable or prepared individual to work with in any of the states she services. ”
Molly Nagel - Office Manager
“Tami was wonderful to work with. I have worked with Tami for a number of years and have followed her from previous locations. She is very clear in what she is needing from you as the client and has clear answers as far as what your responsibilities are both financially and otherwise. I will continue to work with Tami Encinas for as long as I own a home and need a mortgage. ”
Teri Gardner and Carl Seim
“When we recently went through the process of buying a home, Tami made the whole financial experience seamless. She gave options to consider in choosing the most advantageous plan for us. Her vast experience, timeliness, and thoroughness throughout every detail was impressive. If you are planning to contact a Loan Officer, Tami should be the choice if you are looking for true professionalism.”
Kelly and Jeff Patton - Active Duty Navy
“A million thank you’ s would not be enough to express the gratitude that my husband and I have for Tami and the team at Homebridge. As first time home buyers, we had a lot of questions and anxiety about the process and using the VA loan. Tami put all of those worries to rest. She explained things the way we could understand them and was extremely thorough and patient with us. She is an excellent communicator and kept us informed throughout the entire process. When we made our bid on the perfect house it was a Sunday evening and Tami had all of the paperwork complete for our offer, with the best possible rates locked in, that night. I was incredibly impressed by the efficiency and professionalism in which she operates. I have already given her card to friends and would recommend her to anyone. Thank You Tami and Homebridge. We love the new home!”
Saxon Holt - Homeowner
“Tami has facilitated two home loans for us and both experiences were perfect in their execution. She answers email and her phone promptly, gives fantastic lending advice and manages to make each transaction smooth and easy. Along with her experience and knowledge, she gives a personal and emotional touch that we appreciated. I wouldn't hesitate to send any of my family or friends her way. She's outstanding. ”
Michael L Chambers - Retired
“Tami is exceptionally thorough in all aspects of her job. She kept us completely up to date during the loan process. All the questions we had were answered quickly and efficiently with explanations that gave us confidence from start to finish. She is very professional and personal at the same time. Honesty, integrity, and professionalism describe her. We highly recommend her!”
Alaina Bezold - First time home buyer
“Tami was wonderful! This was our first home purchase so we had a lot of questions, and she took great care in making sure we understood every step in the financing process. I would highly recommend her to anyone in the market. ”
Kaimi Scott - US Navy
“Tami was great, she worked very hard to get things moving as quickly as possible and with the option that worked best for us. She was very thorough and took the time to make sure that we understood everything that a home loan entails. ”
Moises Sanchez - Navy
“From beginning up until our closing date Tami was always available and willing to answer any questions we had. Great experience all around highly recommend her to get you the best possible service. ”
Don Jaques - Realtor
“Tami has helped several of my clients and most recently assisted me and my wife in the financing for our new home purchase. She is extremely knowledgeable and responsive to our questions and needs all along the way. She helped us consider multiple options and finally we settled on a non-traditional solution that works best for us.”
Maria M Diaz Ramirez - Manager
“This is my second time buying a house, Tami has been very helpful and honest during the whole process she help me with everything both times, she explain all my loan options, help me with all the paperwork, made the whole process run smoothly and fast! ”
William Ward - Home Buyers
“Tami was exceptionally helpful and extremely thorough. Her communication was excellent and was quick to answer all of our questions! She came highly recommended by our Realtor! A+!!”
Robert Young - Owner of Tradewinds Insurance
“My wife and I have financed and refinanced homes with Tami several times. She is always professional, friendly, and thorough. She made the process easy and painless, whether we were doing a conventional or a VA loan, and always kept us up to date on the status of the loan. Couldn't have been easier.”
Erika Lamar - USFHP Marketing Representative
“Tami was wonderful to work with! Extremely helpful and friendly! She was always available to answer questions and explain the process to my husband and I. I highly recommend her!”
Brenda Faris
“Tami was wonderful to work with. She is very knowledgeable, pleasant and resourceful. It was a pleasure working with her to complete the financing of our new home.”
Jacki Mayo - Managing Broker
“I have worked with Tami for a number of years and have sent her countless clients of mine to be qualified for a mortgage and purchase a home. She is not just good at getting financing for them but she is a great educator and coach. As a Realtor its vital for my business to have great lenders to refer clients to with confidence. I highly recommend Tami and Homebridge Bank for your next mortgage loan. ”
Marissa Evans - Realtor & past Client
“I cannot recommend Tami enough! She is extremely knowledgeable and professional. As a Realtor, I work with loan officers on a regular basis and Tami is always at the top of my recommendations to my own clients. Personally also having been a past client of hers myself I know first hand how her knowledge, compassion, and work ethic sets her far above the typical loan officer. She always has her clients interest in mind and loves to educate a buyer through the process so they are able to make the best decisions for their family. She is my go to for myself and my clients as I know that they will receive the best service and care out there!”
Brendan Kays - Lead Engineer
“I have known Tami for many years on a personal level and knew that she would be great at her job. She blew me and my wife away with her knowledge on our most recent home purchase! This only being my second home purchase and the first for my wife, Tami went above and beyond to explain everything to us in a way that we could make the best decision about our home financing. In a competitive Seattle market where homes seem to sell in hours, she was able to quickly get whatever was needed so we didn't miss out on our dream home. Once the offer was accepted she made sure everything went smoothly. We would highly recommend to anyone!”
Greg Parham - Retired Attorney
“My wife and I went to Ms. Encinas to refinance our mortgage. The process was quick and completed without any problems. The interest rates were also competitive. We would certainly recommend Ms. Encinas!”
Russ and Sara Pickett - New Homeowners
“Tami had come highly recommended by friends and our experience with her was exceptional! From first talking with her on the phone to closing she was very personable, friendly and knowledgeable. After several home buying experiences I would have to say that her service, communication and thoroughness were the best we have ever experienced! I would highly recommend Tami Encinas for your loan needs without hesitation! Tami thank you so much!!”

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