Kim Annicchero, Mortgage Loan Originator, NMLS# 1899775

12/29/2023

We are thrilled to announce Empire Home loans newest loan officer, Kim Annicchero. With over 20 years of real estate experience, including as a Regional Sales Manager and a passionate stint in new home construction, Kim excels in guiding clients through the complexities of mortgages. Committed to personalized service and client satisfaction, Kim is ready to help you achieve your homeownership dreams with transparency and expertise.

01/07/2023

We have expanded our Temporary Buydown program to offer borrower-paid buydowns on our conventional financing options, so if you are getting a gift or want to use your own funds this can help pay to lower your payment for the first year by freeing up your cashflow. Want to learn more? Reach out today!

01/02/2023

We make sure you have what you need throughout the life of the loan, even when things change. You’ll have our support and partnership no matter where life takes you.

12/29/2022

Struggling to sell? Guild Mortgage offers buydown options that utilize a seller credit to buy down the interest rate. Seller buydowns can help get your listing moving by making your listing more affordable without lowering the value. Questions? Talk to a loan officer today!

12/15/2022

Celebrate the holiday season with 3-2-1 Home Plus. With as little as 3% down, first-time homebuyers can receive a $2,000 eGift card to The Home Depot® plus $1,000 to $2,500 towards your down payment and/or closing costs. Let’s get you home for the holidays with 3-2-1 Home Plus! https://bddy.me/3YlkRQP

12/10/2022

Check out this beautiful listing of the week! This 4 bedroom home in Pleasanton with a large backyard is walking distance to great schools and downtown. It will be open Saturday and Sunday 1-4pm.

12/07/2022

Guild Mortgage will pay 1% of your interest rate for the first year to bring you a more affordable payment through our new Payment Advantage program. Want to learn more? Reach out today! https://bddy.me/3VULI48

12/06/2022

Should you use a local, national, or online mortgage lender when buying a home? All three have their benefits, but there's no need to choose just one. You can have all three with Guild Mortgage: https://bddy.me/3VUH5XH

11/29/2022

The Federal Housing Finance Agency (FHFA) just announced new loan limits for 2023 to reflect changing home prices. This means conventional conforming loan limits are going up to $726,200, which could increase your buying power! https://bddy.me/3VGiPZr

11/28/2022

We mind the details so you don’t have to. For more than 60 years, we’ve grown through referrals by focusing on doing what’s right. Click here to learn more about how we got started: https://bddy.me/3XEBdnf

11/25/2022

You can't have your cake and eat it too - unless you're considering rent-to-own. Rent-to-own is a scenario where your rent can go toward the future purchase of the property you're renting, allowing you to get a head start on homeownership as a tenant. There are plenty of pros and cons to this arrangement, which we break down in our recent blog: https://bddy.me/3i65rPK

Rent-to-own homes: The pros and cons Signing a rent-to-own home contract includes either an option or a requirement to buy, usually within three years. Typically, you’ll pay above fair market rent so that an extra portion of your monthly payment can be set aside as a down payment on the home’s f...

11/16/2022

Our GreenSmart Advantage program creates options to finance up to 5% of your home’s appraised value in energy or water-efficient improvements like washers and dryers, smart thermostat, dishwashers, and refrigerators into your mortgage. Available to first-time homebuyers with down payment options as low as 3.5% available and credit scores as low as 580. Let’s talk! https://bddy.me/3tG3s72