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Whether you have questions about our services, need guidance on your mortgage options, or are ready to begin your application, we're here to help.

Location

10 East 22nd Street, FL 2, Suite 1

Bayonne, NJ 07002

Hours

Monday – Friday: 9:00 AM – 6:00 PM

Saturday: By Appointment

NMLS
Don Carlos Financials PC · #2858694

Licensed by the State of New Jersey. Equal Housing Lender. All loans subject to credit approval.

NMLS
Carlos J. Encarnacion · #859147

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Don Carlos

Financials

Building foundations for legacies across New Jersey. Residential and commercial mortgage solutions crafted with precision and care.

Services

Residential Mortgages

Commercial Mortgages

Refinancing

First-Time Home Buyers

Investment Properties

Contact

10 East 22nd Street, FL 2, Suite 1
Bayonne, NJ 07002
(201) 259-6919
carlos@carlos-legacy-loans.com
NMLS
Carlos J. Encarnacion · #859147
NMLS
Don Carlos Financials PC · #2858694

© 2026 Don Carlos Financials. All rights reserved.

Don Carlos Financials PC (NMLS #2858694) is a licensed mortgage company in the State of New Jersey. Carlos J. Encarnacion, NMLS #859147. All loans are subject to credit approval. Rates and terms are subject to change without notice. This is not a commitment to lend. Equal Housing Lender.