Home Purchase Mortgage Loans - With a home purchase loan, or mortgage, qualified home buyers can obtain up to 100% financing for the value or cost of a new residential property.
Build Your Future - Invest in a home - At Empire Lending 1, we encourage customers to invest in their future. One way this can be achieved, through the purchase, and potential resale, of real estate properties.
First Time Homebuyer - Purchasing a home is one of the best investments any of our clients could ever make. With that in mind, Empire feels it is extremely important to do everything possible to make this experience a smooth and rewarding one.
Homebuyer Program - Empire Lending offers a progressive and innovative program for clients interested in buying a home. From getting finances in order to bidding on a property and surviving closing. Empire Lending 1's partners educate clients so they come out successful and on top of the process. To learn more about our Homebuyer Program, contact us today.
Home Tomorrow - Our interests are customer’s interests. That is why we provide financial counseling and direction to help clients plan for the home of their dreams. Whether it’s recommending a short-or-long-term saving plan, working towards aggressively streamlining finances and reducing accrued debt or refinancing, a knowledgeable Empire Lending 1 partner is eager to help clients make their dreams a reality. Contact us today to discover how home ownership is within reach.
For sale by owner - When our customer decides to tackle the role of salesperson and owner, we want to equip them with the best information possible so they achieve their goals quickly. There is a lot of information that we are privy to in the arena of marketing property, saving money and motivating buyers that we are eager to share with our valued clients.
 CONVENTIONAL MORTGAGE LOANS Although conventional loans generally require a 20% down payment, at Empire Lending 1 we offer conventional loans with as low as 1% down payment and 3% equity at closing.
 USDA MORTGAGE LOANS The USDA Rural Development Guaranteed Program is a special program available to homebuyers in a rural community. This is a conventional mortgage loan option with up to 100% loan-to-value financing available in certain areas.
|  FHA MORTGAGE LOANS Great fit for first time home buyers that intend to occupy the property, buyers looking for a lower need a lower down payment option and, home buyers with average or less than average credit.
 NON-AGENCY/PORTFOLIO LOANS NON-QM also known as "Portfolio" loans, offer an outstanding alternative to home buyers that may not meet the more common mortgage qualification requirements due to lack of sufficient income documentation, or due to prior credit issues, or special circumstances.
|  VA MORTGAGE LOANS VA loans are backed by the Department of Veteran Affairs and offer an outstanding mortgage financing option those who have served or are serving in a branch of the United States Military or that may be eligible due to a family relationship.
 JUMBO LOANS Depending on the price of your new home, you may require either a high-balance conventional loan loan, or a jumbo loan. Jumbo, super jumbo, these loans are above the maximum loan amount established in conventional loan guidelines
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Down Payment Assistance Options - On top of offering a wide variety of home mortgage loan options, Empire Lending 1 offers down payment assistance options to eligible home buyers. We have partnered with one of Colorado's largest corporations and multiple national mortgage lenders to help you obtain the funding you need as well as direct lender grants of various amounts.
Community/Soft Second Mortgage - A community, soft second, or second mortgage, is another alternative offered to home buyers at Empire Lending 1. With a secondary mortgage buyers are able to finance up to 100% of the down payment required, and in some cases the 2nd loan may be forgiven.
Gift Funds - While it is commonly a requisite that certain costs associated with a home purchase may come directly from the buyers, Empire Lending 1 offers a variety of mortgage loan options that allow for the use of gifted funds including government, family, employer gifts and more.
Empire Lending provides a number of programs to help educate and assist clients in understanding and making the most of their down payment. Because there are a variety of method for handling down payments (zero down programs and the like), we believe our customers should know each of them so they can determine which program works best for them.
Empire has found that not all of its valued customers are able to secure the entire amount of the down payment necessary to qualify for the loan that best meets their financial needs. Is why we have a program to assist its clients in making ends meet, so to speak. Give us a call or send us an email to learn more about how we can assist in this area.
Direct Grants - With the help of a direct grant, buyers can reduce their down payment substantially and without having to complete additional application outside funding. The grant amount is deducted from the buyers down payment amount at closing and the funds are in most cases non-repayable.
Community/Soft Second Mortgage - A community, soft second, or second mortgage, is another alternative offered to home buyers at Empire Lending 1. With a secondary mortgage buyers are able to finance up to 100% of the down payment required, and in some cases the 2nd loan may be forgiven.
Gift Funds - While it is commonly a requisite that certain costs associated with a home purchase may come directly from the buyers, Empire Lending 1 offers a variety of mortgage loan options that allow for the use of gifted funds including government, family, employer gifts and more.
Determine What You Can Afford
Many our of home-buyer clients ask how much house they afford. We are able to quickly ascertain what type of loan each of our customers qualifies for in person or over the phone. Please contact us to get started, or get started by using the options below.
Get Prequalified
It's a good idea for homebuyers to get prequalified before heading out to search for the property of their dreams, Empire Lending 1 encourages homebuyers to get pre-qualified and pre-approved for their loan. This quick process helps our client focus their efforts more effectively when choosing a new home. We are happy to do this in person, over the phone or however is most convenient for you.