Wynee Bays - Encore Mortgage Solutions

As a licensed Mortgage Broker based in Maryland, I specialize in providing tailored financing solutions designed to meet the unique needs of each client. With access to a broad network of wholesale lenders, I am able to offer competitive interest rates, flexible loan programs, and faster turnarounds compared to traditional banks or retail lenders. My approach is client-focused and service-driven. I guide borrowers through the mortgage process with transparency, responsiveness, and attention to detail—ensuring a smooth experience from pre-approval to closing. I am proud to offer eligible homebuyers down payment grants of up to $7,000, the ability to eliminate lender’s title insurance on select conventional loans, and the option to waive escrow accounts at no additional cost—all of which can help reduce upfront and monthly expenses. Whether you're a first-time homebuyer or a seasoned investor, I am committed to delivering high-quality mortgage solutions with professionalism and care.

FHA, Conventional, Refinance, Reverse, USDA, VA, Jumbo