Empire of America Corporation

Empire of America Corporation Home financing done right. Let us help you figure out what fits your financial strategy best. No tricks, no salespeople, just great rates.

NMLS 1146941 https://empireofamerica.com/licensing-disclosures/ Your experienced Empire America mortgage specialist, who understands your local market, will help you structure a mortgage solution that aligns with your individual goals and once qualified, provide you access to a premier servicing team who will work with you from application through closing to ensure the process goes smoothly.

Empire of America made the home loan process easy. Broke down the the process from inquiry to closing so that we were in...
07/25/2022

Empire of America made the home loan process easy. Broke down the the process from inquiry to closing so that we were informed and knew exactly what was needed at each step. The whole team was easy to get a hold of. I would highly recommend to my family and friends

I have student loans that aren’t in repayment yet.Will those be counted in my debt to income ratio?Yes, they will be. If...
07/20/2022

I have student loans that aren’t in repayment yet.

Will those be counted in my debt to income ratio?

Yes, they will be. If there is no payment showing off your credit report and it is not yet in repayment, we would use 0.5% of the balance as a monthly payment to qualify you.

What will be required if I withdraw money from my 401(K) account for down payment?We’ll ask you to provide evidence that...
07/18/2022

What will be required if I withdraw money from my 401(K) account for down payment?

We’ll ask you to provide evidence that you have the funds available by providing a recent statement. Eventually, we will need proof of the funds being withdrawn into your checking/savings account.

If this results in a loan against your 401(K), we will not count that debt against you in your debt-to-income ratio.

How often do mortgage interest rates change?Every day rates update in the morning around 8:30 am PST. Usually there are ...
07/15/2022

How often do mortgage interest rates change?

Every day rates update in the morning around 8:30 am PST. Usually there are more changes throughout the day. There can be two, three or even ten changes, each one is updated in real time on our website pricing engine, you get the most exact interest rate pricing at your fingertips.

FYI:
On average, there are only one or two changes per day, but it will depend on market volatility that particular day.

If you have any further questions on how rate updates work or if you want to firm up pricing on our website, feel free to email us at:
[email protected]

Did you know that these services are FREE?1. Mortgage Consultation (whether on the phone or email)2. Pre-Approval – a fu...
07/13/2022

Did you know that these services are FREE?

1. Mortgage Consultation (whether on the phone or email)
2. Pre-Approval – a full review, done by our trained underwriters (better than a pre-qualification)
3. Credit Report – pulled directly from one of the credit bureaus, including all three scores

Email us for one of these free services: [email protected]

How quickly can I get a cash-out refinance completed?Quickly! Our turn times are a few weeks right now (perhaps sooner)....
07/08/2022

How quickly can I get a cash-out refinance completed?

Quickly! Our turn times are a few weeks right now
(perhaps sooner). Refinance or purchase transactions don’t need to take longer than two weeks, the only reason it would take longer is if the appraisal industry is inundated (causing longer turn times to complete an appraisal report), or if our clients delay in returning requested items to us. Otherwise, it’s quick and painless!

Have a specific question related to a
cash-out refinance?

Contact an Empire consultant at [email protected]
to get that answer!

I used Empire for the second time and again they exceeded expectations. I’m not sure how they are able the volume of bus...
07/01/2022

I used Empire for the second time and again they exceeded expectations. I’m not sure how they are able the volume of business they do and yet communicate ion is flawless. No need to shop anywhere else when I need mortgage services in the future. - Stephen

What are some tips for completing the online application?• Exact figures will not be needed when filling out the applica...
06/29/2022

What are some tips for completing the online application?

• Exact figures will not be needed when filling out the application. We grab that information from your paperwork directly, instead, we will be asking you questions about the desired loan, your residence address history, employment history and some credit history questions.

• Our application should take you less than 10 minutes to fill out. Move through the application by using the back and next arrows at the bottom of each screen. Don’t use the back and next button on your browser while you’re completing the application. You can see your progress at the top right as you move along.

If you need additional help answering a question, click on the chat button available on the page and we will assist you.

In what states is Empire of Americalicensed? Empire of America is currently licensed inCalifornia, Texas, & Florida.Wher...
06/27/2022

In what states is Empire of America
licensed?

Empire of America is currently licensed in
California, Texas, & Florida.

Where are your offices?
We are predominately online, our corporate headquarters is located in Los Angeles, CA.

Expanding to the following states soon:

• Colorado
• Nevada
• Connecticut
• Washington

Address

4500 Park Granada Boulevard Suite 202
Calabasas, CA
91302

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+18664113621

Website

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