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Specializing in FHA, VA and Conventional Loans for purchase and refinance

Thank you for visiting Encompass Mortgage Services, Inc. We are a wholesale lender, working with nearly 30 banks. This allows us to ensure you get the best rate and products available. Additionally, many lenders have unique guidelines, working with many lenders allows better opportunities to obtain an approval.


Your Daytona Beach Area Mortgage Specialist

My name is Julie Straka and I am the Daytona Beach area mortgage specialist for Encompass Mortgage Services, Inc. I understand you have many options when searching for a home loan. Let me explain why working with a local wholesale broker will provide the best experience for you.

First and foremost, I provide outstanding customer service. I am available to you throughout every step of the loan process. I am your direct line of communication with the bank so you will never be left wondering the status of your loan.


Second, I will make sure you receive the lowest possible interest rate and fee structure. As a wholesale lender, I work with nearly 30 banks, allowing me to shop around for you to ensure you are getting the best available rate, product and fees.


Is an FHA loan right for you?

FHA, the Federal Housing Administration, insured loans have many benefits including low down payment (3.5%), allowing gift funds from family members to pay closing costs, and forgiveness of past credit problems while still giving you a low interest rate and discounted mortgage insurance.


We proudly serve our Veterans!

We offer VA home loans for Service Members, Veterans and eligible surviving spouses with a current VA Certificate of Eligibility. VA loans offer 100% financing with low rates and the best terms available.


Full List of Loans we are experts in closing:

    • Fixed Rate Mortgages
    • Adjustable Rate Mortgages
    • FHA Mortgages
    • FHA 203K Rehab Mortgages
    • VA Mortgages
    • Conventional Mortgages
    • USDA & Rural Development Mortgages
    • Reverse Mortgages for seniors 62 and older


You Need It, We Got It!

If you have a special situation, try us and see…we can do most loans!

Call 407-722-2339 today!

We are licensed to originate mortgages throughout the state of FLORIDA!


 Julie Straka

NMLS #1031903


Phone: 407-722-2339

Fax: 888-482-4918