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.

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.

  • Available Fixed Interest Rates
  • 80% - 97% Mortgage Financing
  • Repayment terms up to 30 years
  • Available with as low as 1% Down Payment. 
  • Investment Property Loans Available (up to four-unit)


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.

  • Conforming Conventional Loan
  • Up to 100% Loan to Value Mortgage Financing
  • Designed for Rural Areas 
  • Repayment terms from 10 years to 30 years

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.

  • Great for First Time Buyers
  • 90%-100% Loan to Value Mortgage Loan Financing
  • Available Fixed Interest Rates
  • Repayment terms from 10 years to 30 years

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.

  • Alternate Income Qualification 
  • Foreign National Program
  • Prior Bankruptcy May be Considered
  • Prior Foreclosure May be Considered

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.

  • Up to 100% Mortgage Financing
  • Eligible Veterans/Active Duty
  • Repayment terms from 10 year to 30 years

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

  • 15-30 Year Fixed 
  • Available up to $3 Million 
  • 60% - 80% Financing
  • AvailaBle ARM Options