What Our Clients Are Saying


“Paul Marsh is the best there is.  Though we had a few challenges, Paul remained positive, professional and very helpful.  His response times, communication and solutions were OURTSTANDING!  He made us feel like he genuinely cared about us, the customer.  Paul is a real class act!” 

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“Clay was terrific.  I have worked with Clay several times and have always been pleased. ”

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“I had the opportunity to have Cesar as my mortgage loan originator and my experience was great. I lived far from his office, but he managed to get all documents and information through phone and email, which was convenient for me. My closing process went through a few complications, but Cesar found the best way to solve those issues. I fulfilled my dream of owning a house and I am currently enjoying it! I recommend Cesar, he was always available to answer my questions and did all he could to make my dreams come true.” 

Erika A. – Facebook

 “Chris was very attentive and made me feel at ease with the whole mortgage process. From the first time I spoke with him, I felt like he had my best interest in mind and he responded to all of my questions and concerns in a timely manner.”

James D. –  Personal Note

“Paul was very patient, informative, and extremely available throughout the process.  I felt I was in very good hands and the importance of purchasing my first home was recognized by Paul.  Paul made sure to do his best to be available any time needed and to explain everything in detail despite my many questions.” 

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“It was an amazing experience Clay took care of us and handled everything so smooth.  Clay would reply right away with any concerns and questions and keep us updated at all times.  I highly recommend him to everyone we know.  Closing went smooth as well because he let us know every fee and amount that was going to be needed to close so we are very happy.” 

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“Cesar is very knowledgeable and responds very quickly to my questions and concerns. He was a great financial counselor and gave me great advice throughout this process. He always told me what to expect and it made this process very painless. Thank you so much Cesar!”

Georgina C. – Facebook

“The loan process was explained upfront and expectations set and met.  A couple of hiccups were incurred but brought to our attention quickly and overcome by Chris and his team. I would highly recommend them.”

Sloan P. –  Personal Note

“I have never felt so grateful to have Chris and Kathy to take care of my family. They were 100% dedicated and I will be forever grateful.” 

John & Kristy M. – Facebook 5 Star Review

“Paul, You’re level of service has been second to none.  Appreciate all the guidance in our first home buying experience!

Best regards”

Aaron J.

“Clay was very helpful and when bumps came, Clay had this way of being able to convince you that things were going to be alright and he went out of his way to make them right.” 

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“My experience was great with Jeff Shealey.  The responsiveness of the team was amazing.  There is nothing I would have wanted different.” 

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“Cesar nos ayudo muchisimo con la compra de nuestra casa. Se los recomiendo.”

Delia M. – Facebook

 “Thank you for helping us make our closing date. We love our new home. Please stop by if you are in the neighborhood.”

Lori and Chris F. –  Email

“Dear Paul, Thank you for your outstanding professionalism and patience. This has been a long journey for us. We are so thankful for your kindness and assistance with purchasing our home.

We wish you safe travels and many blessings.”

Will and Tonya S.

“Clay was very professional and treated me as an individual and not just a number – so easy to work with – kept me informed of status of loan and interest rate.  Was a pleasure to work with Clay.” 

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“We were two weeks away from closing with another lender when we decided to switch to Encompass based on a recommendation from our realtor.  Jeff S.,jumped in right away and got our loan moving.  He promised he would close us on time which he did and with a lower interest rate. We plan on using Jeff and Encompass again.”

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“Matt has been great to work with. I’m a first time home buyer and between my realtor and Matt I have had a great experience. The responsiveness and knowledge from Matt and his assistant Kristi have been extraordinary.  My realtor and I both will be recommending Matt in the future. “

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“I was interested in purchasing a home and I reached out to Cesar. Cesar has been very helpful from getting me pre-approved to finalizing our closing. ”

Sebastien B.

Cary Tennis at Encompass Lending made the entire process of applying and getting our mortgage as easy as it could possibly be! We were also in a huge rush to get pre-approved when we found the house we wanted (and got!) and she made it happen that evening! She guided me through the whole process, helped me select the best loan for us, was so patient with any questions I had. Keren Tello also did a lot to work on our loan and she was wonderful as well! I highly, highly recommend Encompass Lending!”

Maria Lucente S. – Facebook

Paul,  Thank you. I really don’t believe the credit union could have handled the short timeframe on our closing and I know they wouldn’t be able to deliver the customer service you gave us. We could not be happier with the service we received from you. You put me in mind of one of my favorite quotes on performance. It’s from Good to Great by Jim Collins … he says the difference between organizations that fail and organizations that become great are the people they hire who … “wake up every morning compulsively driven to do the best they can because it is simply part of their DNA”. I’ve got a very strong suspicion you might just be one of those people! Thank you”

Kristie W.

Clay was very professional and treated me as an individual and not just a number – so easy to work with – kept me informed of status of loan and interest rate.  Was a pleasure to work with Clay.” 

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“My real estate agent went on vacation while I was looking for a lender.  I get an email from her to use Encompass and to contact Carly Kath, Jeff Shealey’s associate.  I did. The I changed my mind.  Another company made “promises”, then changed their story.  I dropped them and stuck with Jeff and his professional team, who still closed on time.  Thanks.”

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“Vince was awesome to work with!”

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“I want to thank you to Mr. Cesar Higuera for all his help, time and patience. The service was excellent. Encompass Lending Group has amazing people. Cesar is the best and Keren too.”

Mayara F.

 “Clay made this smooth and painless for us.  No problems from start to finish.  I would refer friends to him gladly. “

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“Sitting, at the title company, closing in a few. Thinking of you (Cary Tennis) and appreciating all that you have done to make this moment happen! It had been a long and rough road getting back on our feet, financially. Therefore, it makes this moment all the more special. I am so blessed to have you in my corner!  You are both (Cary Tennis and Loan Coordinator, Kathy Ray) impressively efficient and knowledgeable. Plus, special chickas! Thanks! Thanks! Thanks!”


“Great experience with Vince.  Very customer focused, friendly, and responsive.”

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“Paul, I won’t even attempt to top that.  Excellent job, thanks again and I hope to cross paths again soon.  Rest assured you will be the person we refer to anyone needing a loan.”

Wayne W.

Clay, This was my fist home purchase as a single mother of two.  Very scary, but Clay made it easy.  J  He answered all my many questions and assured me that I would find my Home and I did!  He even made time to be at my closing which was much more gratifying.  I was finally able to meet the man that helped make it all possible!  Clay is awesome.”

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“Jeff was very kind and responsive and we could get our answers to questions very fast.  All the process was very smooth and was so glad that we worked with Jeff.”

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“The world would be a calmer place if all mortgage brokers molded after Vince!  Great positive attitude about everything!”

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“Luis has multiple skills, but the one we (my Wife Martha and myself) appreciate the most, was his commitment and good understanding of our needs, desires and somehow, he acted as a compass when we lost a little of direction. In summary we really enjoyed working with Luis!”

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“Was able to reach someone at any hour of the day or weekend, that is excellent.”

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“My overall experience was very good.  Clay was very helpful and was able to answer all my questions.  Always got an answer back the same day.”

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“Great service and very fast.  Thank you Clay.”

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“You (Cary Tennis) are the by far the best, most patient, and cool & unruffled and most responsive loan professional I have ever worked with. I am in good hands. . . I am now a homeowner since Oct-22. It would not be possible without your hard-work.”

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“Dear Team,

I really appreciate all the hard work, time, effort and  patience you all have put forth to making my home purchase possible!

Sylvester/Beto, you were amazing in taking the time and patience to show me all the houses I requested on the fly. Even when I gave up looking you took the time to search for me! Additionally, you helped get my offer accepted over another offer and lastly were generous enough to offer some monies from your commission to help me out with the difference caused by the misalignment of the home appraisal. Muchas Muchas Gracias!

Sweet Kristi, thanks for being an awesome assistant to Matt! You kept things moving,kept me informed and kept up with the drama and pressure! I’m sure Matt appreciates your extreme organization and attention to details!

This was a fun, interesting, dramatic and climatic experience! It was a great pleasure to have gone through all of this with all of you!”

Chandra R.

Fantastic service.  Professionalism and diligent work ethic.”

Justin & Jana F.


We successfully closed on the 15th, everything went off without a hitch. We really appreciate your professionalism and attention to detail. If I need another home loan you will be the first person I call.

Thank You!”

Matt S.

“Clay was awesome!  I refer him to all my clients.  I was happy to use him personally because he gets the job done.”

Dennis and Erica W.

“Wayne did a super job and made everything very easy for us!  Couldn’t be happier.”

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“Overall, we had a very good experience.  Jeff and his team went above and beyond to suit our needs.  I would definitely recommend them to other clients.

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“On the initial contact Matt called me personally in the evening to get all my information.  I was very impressed that he took the time out to do that!  His assistant was very responsive and made sure my emails were responded to in a timely manner.  The interest rate that Matt came through with was beyond my expectation!”

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“Cary and Renee were excellent.  Cary was always available and extremely helpful and always very friendly/pleasant. Smooth process w/Cary from beginning to end!”

Dave B.

“Everything went very smoothly.  Good experience!”

Polly J. P.


“Cary ensured we understood all numbers presented to us.  She was patient and explained all documents sent to us.  She also answered all questions asked-Thanks Cary Wonderful experience.”

Janet T.

“On the initial contact Matt called me personally in the evening to get all my information.  I was very impressed that he took the time out to do that!  His assistant was very responsive and made sure my emails were responded to in a timely manner.  The interest rate that Matt came through with was beyond my expectation! “

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” Paul,

Thank you very much for your hard work on both houses. And lower closing costs! Well some things are meant to be. Almost glad the other house didn’t work out. (Well, really I am thrilled) I will certainly refer you in the future. You have made the process very smooth and easy.”


“Clay can work miracles and has been so supportive through this whole process. “

Robert T. W.

“Wayne was the consummate professional.  We feel fortunate to have done business with Wayne and the entire Encompass family.  Look forward to being able to refer friends and family to Encompass. “

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“We had several issues arise within the underwriting process of which ALL we handled in the upmost steadfast professionalism I think I have ever witnessed.  Matt and his team were undeterred and never lost sight or focus in our refinance.  I HIGHLY recommend ELG and will continue to do so to!  Can’t sing enough praises to Matt and his team at ELG.”

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“Cary Tennis provided excellent service! Job well done!

Agent Vickie E. B. – Facebook

“Thank you, Paul!  Connie is on her way to my office now with keys to my new house!  Thank you again for all that you did to make this such a quick and easy process.  I really appreciate your diligence, professionalism, and great communication during this entire process.  If I hear of anyone needing your services I will definitely refer them to you.

Thanks again!”

Erika F.

“Clay keeps the client informed throughout the process, answers all questions fully.  Would do business with him again.”


“Cary and the team were great to work with!  They took what was a complex situation and made it all work out perfectly!  Great Team!”

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“Matt kept us in the loop.  A few short notice issues at the end, but Matt worked his magic and although we closed 1 day late everything worked out to a positive conclusion.”

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“Very high recommendation – excellent communication and coordination.  Closing went smoothly and all questions answered quickly with good information.”

Devin B.

“Very positive and Matt and his staff were very patient with me.  Answered all of my questions promptly and made sure I understood the process.”

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