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Ian Carmichael

Residential Mortgage Loan Originator | NMLS #223454
[email protected]
301 Denali Pass Unit #1, Cedar Park, TX 78613
Apply Here For A Home Loan

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 Ian Carmichael


Ian Carmichael has spent 21 successful years in the mortgage industry but if you ask him, he will tell you it is his first year in the business for the 21st time! This significance of this core value stems from the fact that every year brings about a new opportunity to grow, learn, and adapt to better serve his clients and business partners. Ian believes in another important core value, which is Trust = Time + Consistency. In his personal time, Ian loves to spend time with his family camping throughout the year.

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.