Ajay Encinas

Co-Founder & Social Media Pioneer

Our Angel Ajay
April 14th, 1991 - September 4th, 2019

Minh Nguyen

Co-Founder & Partner

Minh is a mortgage expert, loan officer, proud husband and father. He cofounded What's A Mortgage in 2017 with social media pioneer and creative genius, Ajay Encinas.

About Minh

Hi, my name is Minh, and I’m the founder of What’s A Mortgage! I’ve been a professional in the mortgage industry for 20 years. I started as a loan officer and worked my way up to managing my own branch of almost 100 loan officers. In 2017, a consumer asked me “whats a mortgage,” and I realized there was such a lack of information and education about mortgages out there! I created the What’s a Mortgage channel to solve that problem, and I started focusing my 20 years of experience on training, informing, and educating consumers like you! My specialty is communicating transparently to help consumers understand the mortgage process. I’ve found that my passion is helping people, not selling unrealistic expectations. I believe that by educating consumers with honesty and setting realistic expectations, they will be best positioned to achieve their homeownership dreams.

Our Mission

The mission of What’s a Mortgage is to empower homeowners to achieve financial success by providing expert insights, guidance and resources about the mortgage process. Since 2017, WAM’s social media content and services has helped thousands of homeowners get the best deal on their mortgage. The key to successful homeownership is knowledge and confidence. With knowledge comes the confidence that you’ve made the best financial decision for your family and for your wallet.

Our tribute to Ajay Encinas

Andrew “Ajay” Encinas was born April 14th, 1991 in Southern California. He was a social media genius and visionary that pioneered educational content for the common consumer. He was passionate about putting consumer needs first and strived to make mortgage education accessible on every platform and media type. He truly understood the importance of education and the need for diverse learning.

    Contact Me

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    Live Stream Schedule:

    Monday: Facebook/YouTube 9PM
    Tuesday: Instagram 9pm
    Saturday: TikTok