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Emilie Oakes is a seasoned Mortgage Loan Originator with a decade of experience in the mortgage industry and more than 10 years in sales prior to that. Her dedication and expertise have helped countless individuals achieve their dream of homeownership. Emilie brings a unique blend of financial insight and customer-focused service to every transaction, making her a trusted advisor for both first-time homebuyers and seasoned investors. She is known for her thoughtful guidance, clear communication, and ability to simplify complex lending processes, ensuring a smooth and empowering experience for every client. Outside of her professional role, Emilie is a devoted mom, a creative spirit who enjoys crafting, and a passionate animal lover—especially when it comes to large dogs and farm animals. Her heart lies in agriculture, where she actively mentors youth as a committed 4H Leader. Emilie finds deep fulfillment in inspiring the next generation to grow, lead, and thrive in the agricultural world.
Rating: 5.0 out of 5.0 from Encompass Emilie made the transaction very smooth. She answered all my questions and was available to speak anytime I needed Stacey LouiseBelleview, FL May 23
Emilie made the transaction very smooth. She answered all my questions and was available to speak anytime I needed
Rating: 5.0 out of 5.0 from Encompass Working with Emilie was great she took her time to explain each process Jocelyn MLakeland, FL May 22
Working with Emilie was great she took her time to explain each process
Rating: 5.0 out of 5.0 from Encompass HSL provided a great experience from start to finish. The team was professional, helpful, and made the mortgage process feel smooth and easy to understand. I truly appreciate their guidance, communication, and support throughout the entire process. Highly recommend Emilie Oakes and the staff! Hector LOcala, FL May 21
HSL provided a great experience from start to finish. The team was professional, helpful, and made the mortgage process feel smooth and easy to understand. I truly appreciate their guidance, communication, and support throughout the entire process. Highly recommend Emilie Oakes and the staff!
Rating: 4.8 out of 5.0 from Encompass Always so responsive and answered all of my many questions along the way. Brittany MarieLakeland, FL May 20
Always so responsive and answered all of my many questions along the way.
Rating: 5.0 out of 5.0 from Encompass Emilie Oakes went above and beyond to assist us with our loan process. She is very professional, pleasant, and extremely understanding. Our closing process was delayed due to issues with our builder however, Emilie kept us posted every step of the way! We were so fortunate to have worked with her. She is absolutely the BEST! SerenaWimauma, FL May 06
Emilie Oakes went above and beyond to assist us with our loan process. She is very professional, pleasant, and extremely understanding. Our closing process was delayed due to issues with our builder however, Emilie kept us posted every step of the way! We were so fortunate to have worked with her. She is absolutely the BEST!
Rating: 4.5 out of 5.0 from Encompass The ease of access to the information and people eliminated questions for me Jeffrey RobertOcala, FL May 05
The ease of access to the information and people eliminated questions for me
Rating: 5.0 out of 5.0 from Encompass Efficient ,professional YamiletLakeland, FL May 04
Efficient ,professional
Rating: 4.8 out of 5.0 from Encompass Emilie was a delight to work with Joyce AnnSaint Cloud, FL Apr 30
Emilie was a delight to work with
Rating: 4.8 out of 5.0 from Encompass Ellie was very kind and understanding thru this ordeal we had with Highland homes. Thanks FreddieWimauma, FL Apr 27
Ellie was very kind and understanding thru this ordeal we had with Highland homes. Thanks
Rating: 5.0 out of 5.0 from Encompass Great team player and communication with the buyer to bring him to the closing table with no unpleasant surprises. Jose B. TrejosLakeland, FL Apr 06
Great team player and communication with the buyer to bring him to the closing table with no unpleasant surprises.
Rating: 5.0 out of 5.0 from Encompass I was very informed about the whole process everything went like it was expected Yanet was very good answering the phone and explaining everything Tina as well im I'm very satisfied thanks YosbanyLakeland, FL Apr 02
I was very informed about the whole process everything went like it was expected Yanet was very good answering the phone and explaining everything Tina as well im I'm very satisfied thanks
Rating: 4.3 out of 5.0 from Encompass Better communication and faster work. Orlando JavierAuburndale, FL Apr 01
Better communication and faster work.
Rating: 5.0 out of 5.0 from Encompass Marissa was very pari with me and ALL three million of my calls to her. I had a hard time understanding this process at certain times and she explai and broke down what was needed each time. Emilie was also available rather it was text and or phone call. Thank you ladies sincerely with all of my heart and understand... ShiQwanda JeweleneLakeland, FL Mar 30
Marissa was very pari with me and ALL three million of my calls to her. I had a hard time understanding this process at certain times and she explai and broke down what was needed each time. Emilie was also available rather it was text and or phone call. Thank you ladies sincerely with all of my heart and understand...
Rating: 5.0 out of 5.0 from Encompass I was well cared for. All my questions and needs were met RolandDavenport, FL Mar 27
I was well cared for. All my questions and needs were met
Rating: 5.0 out of 5.0 from Encompass If you’re looking for a lender who truly cares... Emilie is it. She goes above and beyond to keep everyone informed, answers every question with patience, and brings so much knowledge to the table. She made this entire process smoother not just for the client, but for me as well. As a newer agent, I learned so much from her and I’m incredibl... ShelbyLakeland, FL Mar 27
If you’re looking for a lender who truly cares... Emilie is it. She goes above and beyond to keep everyone informed, answers every question with patience, and brings so much knowledge to the table. She made this entire process smoother not just for the client, but for me as well. As a newer agent, I learned so much from her and I’m incredibl...
Rating: 5.0 out of 5.0 from Encompass We appreciated that Emilie remained on top of things throughout the loan process as there were a few hiccups that we feel slowed things down. Emilie was kind, professional and always took the time to give us a call and answer any and all of our questions in a timely manner and we appreciated that as ... Richard ScottAuburndale, FL Mar 20
We appreciated that Emilie remained on top of things throughout the loan process as there were a few hiccups that we feel slowed things down. Emilie was kind, professional and always took the time to give us a call and answer any and all of our questions in a timely manner and we appreciated that as ...
Rating: 5.0 out of 5.0 from Encompass Everyone was very helpful and answered my question and helped me when I had problems with things. David WayneWinter Haven, FL Mar 14
Everyone was very helpful and answered my question and helped me when I had problems with things.
Rating: 5.0 out of 5.0 from Encompass Emilie You were always on top of everthing.Very profesninal.and always avaiable to answer all of our questions Thanks Kevin LeeWinter Haven, FL Mar 07
Emilie You were always on top of everthing.Very profesninal.and always avaiable to answer all of our questions Thanks
Rating: 4.5 out of 5.0 from Encompass Better communication Michael FitzgeraldWimauma, FL Mar 02
Better communication
Rating: 4.8 out of 5.0 from Encompass Communication were timely and Jeanette BeverlyOcala, FL Feb 26
Communication were timely and
Rating: 5.0 out of 5.0 from Encompass The total process Winston BernardOcala, FL Feb 26
The total process
Rating: 5.0 out of 5.0 from Encompass Communicated very well and was always pleasant. SusieLakeland, FL Feb 26
Communicated very well and was always pleasant.
Rating: 5.0 out of 5.0 from Encompass Everyone was friendly and respectful explained each step n the process! Accomodated with me due to lack of some technology Eunice Marie ThreattBartow, FL Feb 07
Everyone was friendly and respectful explained each step n the process! Accomodated with me due to lack of some technology
Rating: 5.0 out of 5.0 from Encompass Muy serviciales y comunicativos en todo el proceso. Heida ABartow, FL Feb 07
Muy serviciales y comunicativos en todo el proceso.
Rating: 5.0 out of 5.0 from Encompass My 2nd home buying experience with Emilie and team was exactly why we came back after our 1st experience. When you're a repeat customer and the service continues to be first class, that speaks volumes. Excellent customer service! David SethAuburndale, FL Jan 31
My 2nd home buying experience with Emilie and team was exactly why we came back after our 1st experience. When you're a repeat customer and the service continues to be first class, that speaks volumes. Excellent customer service!