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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.
Rating: 5.0 out of 5.0 from Reviews From Previous Organization Very Funny and responsible. Great follow skills. Always available for agents and his clients. Have had the pleasure to work various times with Elvis. Xavier Lawrence, MA Jul 21
Very Funny and responsible. Great follow skills. Always available for agents and his clients. Have had the pleasure to work various times with Elvis.
Rating: 5.0 out of 5.0 from Reviews From Previous Organization Comunicacion y conocimientos MarcosHaverhill, MA Jul 21
Comunicacion y conocimientos
Rating: 5.0 out of 5.0 from Reviews From Previous Organization Fast and reliable. MarcosGardner, MA Jul 21
Fast and reliable.
Rating: 5.0 out of 5.0 from Reviews From Previous Organization The communication. Every time that I had a question Evis gave the answer. Maria MEverett, MA Jul 21
The communication. Every time that I had a question Evis gave the answer.
Rating: 5.0 out of 5.0 from Reviews From Previous Organization What made my experience great working with Elvis Penalo are many things. The way he targets every angle of the personal and financial situation of his clients. His Superior customer service skills. Elvis Penalo is knowledgeable, punctual and most important always available. I highly recommend Elvis Penalo as one of the best loan officer I have... AlbaniaMethuen, MA Jul 21
What made my experience great working with Elvis Penalo are many things. The way he targets every angle of the personal and financial situation of his clients. His Superior customer service skills. Elvis Penalo is knowledgeable, punctual and most important always available. I highly recommend Elvis Penalo as one of the best loan officer I have...
Rating: 5.0 out of 5.0 from Reviews From Previous Organization Agradecida siempre primero com Dios y luego a elvis por ayudarme a cumplir uno de mi más grande sueño tener mi casa 🏠 Marcia DLawrence, MA Jul 21
Agradecida siempre primero com Dios y luego a elvis por ayudarme a cumplir uno de mi más grande sueño tener mi casa 🏠
Rating: 5.0 out of 5.0 from Reviews From Previous Organization Elvis was very patient with me and understanding, he knew what I was looking for and took on the challenge. He helped me when a lot of people were turning me down or not giving me the knowledge I needed. I will recommend Elvis to anyone and is because he goes way and beyond to educate people and give them as much information as the client needs. I ... KarenLawrence, MA Jul 21
Elvis was very patient with me and understanding, he knew what I was looking for and took on the challenge. He helped me when a lot of people were turning me down or not giving me the knowledge I needed. I will recommend Elvis to anyone and is because he goes way and beyond to educate people and give them as much information as the client needs. I ...
Rating: 5.0 out of 5.0 from Reviews From Previous Organization Excelente dedicación y rapidez en sus servicios Yamilis KatherineLowell, MA Jul 21
Excelente dedicación y rapidez en sus servicios
Rating: 5.0 out of 5.0 from Reviews From Previous Organization Excelente servicio y siempre nos ayudó Swanyyi ALowell, MA Jul 21
Excelente servicio y siempre nos ayudó
Rating: 5.0 out of 5.0 from Encompass This team make my expirience very pleasure and quick Kendal AbelLawrence, MA Jul 21
This team make my expirience very pleasure and quick
Rating: 5.0 out of 5.0 from Encompass Muy buen altecion a clientes JeanLawrence, MA Jul 21
Muy buen altecion a clientes
Rating: 5.0 out of 5.0 from Encompass Elvis is always available and willing to help and answer any questions. CrilixMethuen, MA Jul 21
Elvis is always available and willing to help and answer any questions.
Rating: 5.0 out of 5.0 from Encompass He is a friend of his clients, and very very professional EdwinLawrence, MA Jul 21
He is a friend of his clients, and very very professional
Rating: 5.0 out of 5.0 from Encompass Elvis took his time to guide and explain to my clients their loan process. I will recommend them always. Penelope ValdezHaverhill, MA Jul 21
Elvis took his time to guide and explain to my clients their loan process. I will recommend them always.
Rating: 5.0 out of 5.0 from Encompass Elvis is professional, very responsive when you need him and he is very good at communicating with my clients and explaining to them all the steps that they need to take. CrilixMethuen, MA Jul 21
Elvis is professional, very responsive when you need him and he is very good at communicating with my clients and explaining to them all the steps that they need to take.
Rating: 5.0 out of 5.0 from Reviews From Previous Organization Quisiera comenzar diciendo que los sueños si se cumplen cuando confías en Dios y en las personas correctas. Tuve la suerte de encontrar a ( EPM) les dije al señor Elvis Peñalo que yo quería una casa grande, me dijo vamos a evaluar tu caso y ver para cuando tú calificas, inmediatamente el team (EPM) se pusieron a mi disposición y dijeron vamo... Jenny Jul 21
Quisiera comenzar diciendo que los sueños si se cumplen cuando confías en Dios y en las personas correctas. Tuve la suerte de encontrar a ( EPM) les dije al señor Elvis Peñalo que yo quería una casa grande, me dijo vamos a evaluar tu caso y ver para cuando tú calificas, inmediatamente el team (EPM) se pusieron a mi disposición y dijeron vamo...
Rating: 5.0 out of 5.0 from Reviews From Previous Organization The best of the best! Elvis was always there for us and helped us throughout the whole process. Thank you Elvis! Yamile Jul 21
The best of the best! Elvis was always there for us and helped us throughout the whole process. Thank you Elvis!
Rating: 5.0 out of 5.0 from write_review I’ve had the pleasure of working with Elvis with a few of our mutual clients. I couldn’t be more please with his level of professionalism l, dedication and communication skills. Is always a pleasure working with a loan officer that loves what they do and always responds back on a timely manner. Look forward to many more deals with him! Jose Jul 21
I’ve had the pleasure of working with Elvis with a few of our mutual clients. I couldn’t be more please with his level of professionalism l, dedication and communication skills. Is always a pleasure working with a loan officer that loves what they do and always responds back on a timely manner. Look forward to many more deals with him!
Rating: 5.0 out of 5.0 from write_review Muy profesional está contigo durante todo el proceso desde el momento 0 hasta el cierre siempre está disponible y contesta todos tus preguntas, te ayuda con todos.Los recomiendo 100% Elvis si no fuera por ti hoy no tendría mi casa gracias, gracias gracia Sonia Jul 21
Muy profesional está contigo durante todo el proceso desde el momento 0 hasta el cierre siempre está disponible y contesta todos tus preguntas, te ayuda con todos.Los recomiendo 100% Elvis si no fuera por ti hoy no tendría mi casa gracias, gracias gracia
Rating: 5.0 out of 5.0 from write_review Elvis was so patient with me during the process explained everything thoroughly and took his time. Answered any questions I had. I appreciate all his help during the process. It was a pleasure working with you. Aracelis Jul 21
Elvis was so patient with me during the process explained everything thoroughly and took his time. Answered any questions I had. I appreciate all his help during the process. It was a pleasure working with you.
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.