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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.
Rating: 5.0 out of 5.0 from Encompass Even though it a lot of information to absorb, Elvis Penalo made the process easy for me. AristidesLawrence, MA May 08
Even though it a lot of information to absorb, Elvis Penalo made the process easy for me.
Rating: 5.0 out of 5.0 from Encompass excellent customer support and communication. Honest and professional, reliable and kind. MiguelinaHaverhill, MA Feb 15
excellent customer support and communication. Honest and professional, reliable and kind.
Rating: 5.0 out of 5.0 from Encompass Good service, availability , of the Loan Officer and his helpers, BarbaraHaverhill, MA Feb 08
Good service, availability , of the Loan Officer and his helpers,
Rating: 5.0 out of 5.0 from Encompass a whole professional team. Adonis RafaelHaverhill, MA Dec 25
a whole professional team.
Rating: 5.0 out of 5.0 from Encompass The staff made us feel like family Barbara LicetHaverhill, MA Dec 23
The staff made us feel like family
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. Jose AHaverhill, MA Dec 01
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.
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. ArlynHaverhill, MA Nov 20
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.
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... Gary AdolfoHaverhill, MA Oct 03
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...
Rating: 5.0 out of 5.0 from write_review I want to start by thanking Elvis and his team for their excellent work and dedication to their clients. Elvis is a very professional person in his field with 1000% customer service. The loan process is a very stressful and tedious experience, but with Elvis and his team my experience was the best, and this is due to the excellent communication bet... Garlys Aug 03
I want to start by thanking Elvis and his team for their excellent work and dedication to their clients. Elvis is a very professional person in his field with 1000% customer service. The loan process is a very stressful and tedious experience, but with Elvis and his team my experience was the best, and this is due to the excellent communication bet...
Rating: 5.0 out of 5.0 from Encompass keep it up, don't change ❤️🙏🏻 Darnelina MercedesMethuen, MA Jul 31
keep it up, don't change ❤️🙏🏻
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 ... Juan FNashua, NH Mar 02
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 ...
Rating: 5.0 out of 5.0 from write_review Excelente servicio , recomiendo 100% , mucho conocimiento y experiencia!! Luis Oct 12
Excelente servicio , recomiendo 100% , mucho conocimiento y experiencia!!
Rating: 4.7 out of 5.0 from Encompass Gracias Elvis por ayudarme a cumplir mi sueño de comprar mi primera casa y organizar todo para que el proceso sea más fácil.⭐️⭐️⭐️⭐️⭐️ Luis AlbertoGardner, MA Oct 12
Gracias Elvis por ayudarme a cumplir mi sueño de comprar mi primera casa y organizar todo para que el proceso sea más fácil.⭐️⭐️⭐️⭐️⭐️
Rating: 5.0 out of 5.0 from Encompass Mr. Penalo and his team were very diligent and helpful throughout the entire process of this transaction we are very please with the services received Miguel ADracut, MA Sep 07
Mr. Penalo and his team were very diligent and helpful throughout the entire process of this transaction we are very please with the services received
Rating: 5.0 out of 5.0 from Encompass very responsive and on top of every detail. Very smooth transaction! Well done YannerysMethuen, MA Jul 26
very responsive and on top of every detail. Very smooth transaction! Well done
Rating: 5.0 out of 5.0 from Encompass Ease and speed during all processes Michael SLawrence, MA Jul 26
Ease and speed during all processes
Rating: 5.0 out of 5.0 from Encompass Elvis Penalo is professional, effective,dedicated,punctual, creative. Albania Lawrence, MA Jul 01
Elvis Penalo is professional, effective,dedicated,punctual, creative.
Rating: 5.0 out of 5.0 from Encompass Hola Elvis quiero decirte que fuiste una pieza fundamental para hacer mi sueño realidad, siempre estaré agradecida con papá Dios por haberte puesto en mi camino para que me ayudaras en todo mi proceso 🏠 💰 , que Dios te bendiga a ti y a todo tu equipo, y que los ayude a prosperar $$, gracias de todo corazón 🤝🏻🙏🏻hasta la próxim... Johanna ELawrence, MA Jul 01
Hola Elvis quiero decirte que fuiste una pieza fundamental para hacer mi sueño realidad, siempre estaré agradecida con papá Dios por haberte puesto en mi camino para que me ayudaras en todo mi proceso 🏠 💰 , que Dios te bendiga a ti y a todo tu equipo, y que los ayude a prosperar $$, gracias de todo corazón 🤝🏻🙏🏻hasta la próxim...
Rating: 5.0 out of 5.0 from Encompass Thank you so much for all the help and support. Always answer all the questions I have thank you, thank you. God bless! Elvis,Janet and yisandra are the best of the best. All team are great and friendly. JohannyHaverhill, MA Apr 26
Thank you so much for all the help and support. Always answer all the questions I have thank you, thank you. God bless! Elvis,Janet and yisandra are the best of the best. All team are great and friendly.
Rating: 5.0 out of 5.0 from Encompass Elvis Penalo is very knowledgeable and professional. Always available whenever we needed to get a hold of him. I wish more loan officers were like Elvis. Looking forward to doing more business with him. Jose Haverhill, MA Apr 14
Elvis Penalo is very knowledgeable and professional. Always available whenever we needed to get a hold of him. I wish more loan officers were like Elvis. Looking forward to doing more business with him.