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Emilio Morales

Division Manager/Residential Mortgage Loan Originator | NMLS #309557
[email protected]
23108 Seven Meadows Pkwy Suite 100 Katy, TX 77494
Apply Here For A Home Loan
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The Loan Process in 4 Easy Steps!

Getting a Home Loan is Easy!

The first step in getting a home loan is loan approval. Getting pre-approved gives you the peace of mind to house hunt with confidence. Once you complete the online application, Encompass Lending Group will review your credit report and financial documents for pre-approval.


About Emilio Morales


Length of time in Business: I’ve been in the mortgage and real estate industry for over 32 years. Earlier in my career, I owned two Century 21 offices. Over the past 15 years, I’ve held leadership roles as a Regional Vice President with companies such as Alterra Home Loans, APM Mortgage, AFN Mortgage, and Colonial Mortgage. I'm passionate about serving my community, especially by educating and guiding individuals and families in making sound financial investments. My personal mission is to help one Hispanic family at a time achieve homeownership and financial stability. Introduction: I was born in Guatemala and came to the United States at the age of 19. Before moving here, I played semi-professional soccer in my home country, and I have my black belt in Kung Fu. I’ve been happily married to the love of my life for 34 years, and we have three amazing children, all college graduates. Most recently, I became a proud grandpa.

Use These Resources to Simplify the Process

Home Loan Checklist
Having a list makes everything easier.

Do's and Dont's of the Loan Process

What you need to know when applying.

Loan Process from Start to Finish

Let's walk through the process.