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Mortgage Loans
At Empire Lending 1, we offer a variety of loan options designed to make home-ownership accessible and affordable.
Home Purchase Loans
Buying a home is one of the biggest financial decisions you’ll make, and we’re here to make it simple.
Empire Lending 1 works with a vast network of wholesale mortgage lenders to provide you with a variety of loan options, ensuring you get the most competitive rates and terms available.
Home Refinance Loans
Looking to lower your monthly payment, secure a better rate, or tap into your home’s equity? Our refinance loan solutions help you maximize the benefits of home-ownership. Whether you want to reduce your interest rate, shorten your loan term, or access cash for other financial needs, we’ll guide you every step of the way.
Purchase Loans: Find the Right Mortgage for You
Buying a home is one of the biggest financial decisions you’ll make, and we’re here to make it simple.
We work with a vast network of wholesale mortgage lenders to provide you with a variety of loan options, ensuring you get the most competitive rates and terms available.
Multiple Loan Options
More loan options provide buyers with more opportunities of obtaining the financing needed to purchase a home.
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FHA
Ideal for buyers with lower credit scores or minimal savings.
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USDA
Perfect for home-buyers in eligible rural areas.
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Conventional
A great choice for those with strong credit.
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Non-QM &
Jumbo
Offer flexible qualification criteria.
FHA Loans
Backed by the Federal Housing Administration, FHA loans are an excellent option for buyers with lower credit scores or limited savings. Benefits include:
Low down payments (as little as 3.5%)
Higher loan limits (up to $715,000)
Gift money allowed for down payments
Non-occupant co-signers permitted
Flexible credit requirements
FHA loans offer both fixed-rate and adjustable-rate mortgage (ARM) options, with safeguards on interest rate adjustments.
Conventional Loans
Conventional loans are not government-backed but follow guidelines set by Fannie Mae and Freddie Mac. They can be:
Conforming – Meets standard loan limits (up to $715,000 for single-family homes)
Non-Conforming (Jumbo Loans) – Exceed loan limits, often requiring higher credit scores and larger down payments
These loans offer fixed and adjustable-rate options, along with closed-end second mortgages for accessing home equity without refinancing your primary mortgage.
USDA Loans
Designed for eligible rural and suburban homebuyers, USDA loans offer:
100% financing (no down payment)
Competitive fixed rates
Eligibility based on location and income criteria
Non-QM & Investor Loans
For buyers who don’t fit traditional loan requirements, we offer flexible solutions such as:
Bank Statement & 1099 Loans for self-employed borrowers
Debt Service Coverage Ratio (DSCR) Loans for investors, with no income verification required
Jumbo Loans up to $3 million for high-value properties
Refinance Loans: Improve Your Mortgage
Looking to lower your monthly payment, secure a better rate, or tap into your home’s equity?
Our refinance loan solutions help you maximize the benefits of home-ownership.
Whether you want to reduce your interest rate, shorten your loan term, or access cash for other financial needs, we’ll guide you every step of the way.
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Lower Your Monthly Payment
Secure a lower interest rate or extend your loan term to reduce your monthly mortgage costs.
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Access Home Equity
Use a cash-out refinance to tap into your home's equity for renovations, debt consolidation, or major expenses.
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Switch to a Fixed Rate
Move from an adjustable-rate mortgage (ARM) to a stable fixed-rate loan to lock in long-term financial security.
Homeowners refinance for various reasons, including:
✅ Lowering monthly payments by securing a better interest rate
✅ Switching from an ARM to a fixed-rate mortgage for stability
✅ Cash-out refinancing to access home equity for major expenses
✅ Preventing foreclosure by restructuring loan terms
We offer rate-and-term refinances for better loan terms and streamline refinance options for FHA and USDA loans, making the process faster and easier.
Not sure which loan is right for you?
Contact us today to explore your best financing options!
The Loan Process: Simple & Transparent
Our loan process is designed to be simple, clear, and stress-free—from start to finish. We begin by helping you get qualified quickly, then guide you through a smooth approval process, and finish with a seamless closing to get you into your new home or refinance as efficiently as possible.
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Get Qualified
Provide basic financial details to determine eligibility
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Loan Approval
Verification of credit, income, assets, and property value
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Close the Loan
Sign final documents and finalize funding
✅ Fast. Transparent. Hassle-Free.
Whether you're buying your first home or refinancing, we’re here to walk you through every step with clarity and confidence.
Contact us today for expert guidance!
Honesty, Integrity, and Exceptional Service.
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