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Michael Derby

Residential Mortgage Loan Originator | NMLS #67319
[email protected]
2000 Regency Pkwy Ste 368, Cary, NC 27518
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 Michael Derby


Thinking of refinancing or purchasing a home? I'll help you understand your financing options so you can make informed decisions. And if you’re a builder or real estate agent, let’s connect and work together to help your clients secure financing to build or buy a home.

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.