Lance Archibald - Emperiq Financial LLC

02/26/2026

Im helping my client with a refinance, and the underwriter asked why he has $5,000 of fees from Zions Bank on his HELOC payoff.
I couldnt believe it, Zions Bank has been charging my client for appraisals every 6-12 months to make sure they still have enough equity in the home 😵
My client owes less than $100k on their $450k home. Their HELOC with Zions only had a $6,000 balance, but the payoff is twice that because of all of these ridiculous appraisals that Zions has been ordering and charging them for. 😡
Friends dont let friends do business with Zions Bank. If you need a mortgage or HELOC, Call me instead 😉

02/25/2024

Already in your dream home? If I helped you get there, drop me a review!

02/22/2024

In the process of purchasing a home? Avoid making any big purchases that could impact your debt-to-income ratio. This can include buying or leasing a car, or even using credit to purchase furniture for your new home.

02/19/2024

Presidents Day is a reminder that hard work pays off. Fortunately, we do that hard work for you. As you search for your perfect home, I'll search for competitive loan options to ensure a fast and easy homebuying process for you.

02/14/2024

A major advantage of working with an independent mortgage broker is saving money! Recent data shows an average savings of $9,407* as compared to a bank.

01/30/2024

Looking to build your dream home? I specialize in new construction loans and can offer very competitive pricing. Let me help you finalize your project in a way that’s faster, cheaper and easier!

01/26/2024

Our VA loans are here to serve you and save you money with a low interest rate, no down payment and fast closings. It would be my honor to help you.

01/16/2024

The recent Jobs Report reading for December showed 216,000 jobs were created in the economy. The media and others were celebrating the strong headline number. However, interest rates, which hate good news, didn't rise in the days since the release. Why? A closer look under the hood of the report, showed that the economy lost 1.5M jobs in December as shown in the Household survey within the release. And we hit a record high of 8.5 million people working multiple jobs. So overall, the jobs report was not so good when you look at some of the internals.

After a multi-month decline in interest rates, we are seeing positive momentum in housing emerge. Let's look at some of the numbers from last week and highlight events to watch for in the weeks ahead. Spring in January? Not quite, but we have seen an uptick in inventory and mortgage applications ove...

01/14/2024

It’s our turn to serve you with special VA loan options like no down payment, low-interest rates, fast closings and more! It's our way of saying thanks.

01/11/2024

Working with an independent mortgage broker can save you $9,407* on average over the life of your loan.

01/07/2024

If you've been dreaming about buying a home but have nightmares about the down payment, let me show you how you can put as little as 1% down and bring homeownership within reach.