SJ Home Loan Team powered by Empire Home Loans

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SJ Home Loan Team powered by Empire Home Loans

https://linktr.ee/sjhomeloanteam
Stephanie Jarrard and Alyssa Lake - Home loan specialists at Empire Home Loans, NMLS 1598757/2336885

08/26/2026

This weeks HUGE WIN - we just closed a DSCR with 15% down.

Think every investment property requires 20%-25% down? Not necessarily. With a DSCR loan, qualification is based primarily on the property’s rental income - not your traditional personal-income documentation.

If you’ve been considering adding a rental property to your portfolio, let’s run the numbers and see what options may be available!

Program terms and eligibility requirements apply. Not all borrowers or properties will qualify.

08/18/2026

That new car might look good in the driveway… but that payment could be keeping you from the house WITH the driveway.

Before you finance that new ride - especially if buying a home is on your radar - talk to your lender first. A quick conversation about the car could save you a BIG surprise so you're not disappointed when the perfect home for you hits the market.

Already have a car payment? We can run the numbers and show you exactly what your buying power looks like.

07/29/2026

Can you pass the test?!

07/21/2026

Reviews like this never get old. (Seriously... keep them coming. 😉) Helping amazing people find their way home is why we love what we do. Thank you, Danielle, for trusting the SJ Home Loan Team to be part of such an exciting chapter!

07/14/2026

For the first time in six years, inflation has officially turned into deflation.

Why does that matter? Deflation means prices, on average, are falling rather than rising. While consumers may welcome lower costs at the gas pump, grocery store, or on everyday purchases, it’s also a signal that economic demand may be slowing.

For mortgage rates and the housing market, this is a significant development. The Federal Reserve's fight against inflation has been the driving force behind higher interest rates. Seeing inflation cool to the point of deflation is another sign that those efforts are working and could influence future rate discussions.

One month doesn't make a trend, but after six years of persistent inflationary pressure, this is definitely an economic milestone worth watching.

07/07/2026

Think FHA loans are only for buyers with lower credit scores? Think again. Many buyers with 740+ credit choose FHA because it can offer lower rates, flexible qualifying options, and the ability to keep more cash in the bank.

07/04/2026

Independence day!! Today we celebrate the freedom, opportunity, and communities that make homeownership such a meaningful part of the American dream. Happy 4th of July, everyone! 🩷

06/08/2026

Buying your first home doesn’t have to feel overwhelming - we’re here to guide you through every step, from getting pre-approved to getting the keys. Follow along as we break down the mortgage process into simple, easy-to-understand tips designed for first-time homebuyers.

05/01/2026

Tomorrow is the big day for the Superhero Run supporting Hearts With A Mission! We hope to see you there supporting our favorite non-profit who does so much good for our community!

Address

711 Bennett Avenue
Medford, OR
97504

Telephone

+15418405598

Website

http://www.sjhomeloanteam.com/, https://linktr.ee/sjhomeloanteam

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