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Proudly serving clients across Massachusetts, New Hampshire, Rhode Island and Wyoming.
I know that buying or refinancing a home is one of the biggest financial decisions that my clients will ever make. That's why I work hard to ensure my team has the resources and know-how to ease borrowers through the loan process, with no detail overlooked.
I have an extensive background in all facets of mortgage lending, so I can advise my team members in any situation, from a first-time home purchase to a refinancing. My expertise includes Conventional, Jumbo, FHA, VA, USDA, and Renovation loans.
I also make a point of keeping up with the latest financial and industry trends, as well as state and federal regulatory requirements, so I can serve as an informed advocate for my team and our clients. I make sure my team will not only get clients a loan, but the most competitive loan for them.
excellent customer support and communication. Honest and professional, reliable and kind. Miguelina Haverhill, MA February 15 Rating: 5.0 out of 5.0 from Encompass
excellent customer support and communication. Honest and professional, reliable and kind.
Good service, availability , of the Loan Officer and his helpers, Barbara Haverhill, MA February 08 Rating: 5.0 out of 5.0 from Encompass
Good service, availability , of the Loan Officer and his helpers,
a whole professional team. Adonis Rafael Haverhill, MA December 25 Rating: 5.0 out of 5.0 from Encompass
a whole professional team.
The staff made us feel like family Barbara Licet Haverhill, MA December 23 Rating: 5.0 out of 5.0 from Encompass
The staff made us feel like family
I truly appreciated the support and guidance throughout the entire process. Everything was handled with professionalism, patience, and care, which helped me feel confident and at ease. The communication was clear, timely, and reassuring, making the experience smooth and overall very positive. Jose A Haverhill, MA December 01 Rating: 5.0 out of 5.0 from Encompass
I truly appreciated the support and guidance throughout the entire process. Everything was handled with professionalism, patience, and care, which helped me feel confident and at ease. The communication was clear, timely, and reassuring, making the experience smooth and overall very positive.
I would have appreciated receiving more guidance about the resources available for first-time homebuyers, such as the grants offered through City Hall. I actually found out about those just two days before my closing. Having that information earlier would have been extremely helpful. Arlyn Haverhill, MA November 20 Rating: 4.5 out of 5.0 from Encompass
I would have appreciated receiving more guidance about the resources available for first-time homebuyers, such as the grants offered through City Hall. I actually found out about those just two days before my closing. Having that information earlier would have been extremely helpful.
i had an excellent experience working with Elvis Peñalo on the loan for my investment property. He not only helped me secure a great interest rate but also guided me every step of the way, making sure I had all the documents ready in advance. Elvis was attentive, professional, and made the process smooth all the way to closing day. Highly recomm... Gary Adolfo Haverhill, MA October 03 Rating: 5.0 out of 5.0 from Encompass
i had an excellent experience working with Elvis Peñalo on the loan for my investment property. He not only helped me secure a great interest rate but also guided me every step of the way, making sure I had all the documents ready in advance. Elvis was attentive, professional, and made the process smooth all the way to closing day. Highly recomm...
keep it up, don't change ❤️🙏🏻 Darnelina Mercedes Methuen, MA July 31 Rating: 5.0 out of 5.0 from Encompass
keep it up, don't change ❤️🙏🏻
I just wanted to say a huge thank you for all your help with buying our first home. You made the whole process so much easier and less stressful for us. We had a lot of questions and concerns, but you were always there to guide us through everything, and we really appreciated how patient and understanding you were. Thanks to you, we felt confident ... Juan F Nashua, NH March 02 Rating: 5.0 out of 5.0 from Encompass
I just wanted to say a huge thank you for all your help with buying our first home. You made the whole process so much easier and less stressful for us. We had a lot of questions and concerns, but you were always there to guide us through everything, and we really appreciated how patient and understanding you were. Thanks to you, we felt confident ...
On 04/30/2026 at 2:30 pm
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