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Rate / APR

Federal Disclosure: Your actual rate, payment, & costs could be higher. Obtain an official Loan Estimate before choosing a loan.

Closing Costs
Important Notices

Closing costs: are based upon the information you provided and are subject to change until you have completed an application and locked your interest rate. When your online application has been completed, you will be provided a Loan Estimate (federal disclosure), and upon receipt of your loan pre-approval, you will be given the opportunity to lock your interest rate and guaranteed closing costs.

Guaranteed Lender Fee: Empire’s lender fee includes processing, underwriting, credit report, doc prep, funding, tax service and flood cert – everything! This fee may be covered partially or entirely by the lender credit; contact an Empire Loan Consultant to discuss this option.

Empire’s Guaranteed Appraisal Fee is determined by the county you selected to produce your pricing. Note, if your home is valued over one million, or larger in size (home or land) – that fee may increase.

Recording Fees: on refinance transactions, your current lender may charge you a recording fee or a processing fee to prepare and deliver a payoff demand for the payoff of your current mortgage obligation.

Pre-paids: Interim Interest is defined as prepaid interest from the day you fund your new home loan until the end of the month in which your transaction closes. Since this pre-paid interest period is difficult to estimate early in the transaction we don’t currently estimate pre-paid interest until closing.

Impound Account Reserves: these reserves are calculated depending on the month of the year your transaction closes. The amount collected will be that amount necessary to ensure sufficent funds are in the account when your property taxes (or insurance) is due. Also a small two-month cushion is required. If you have an impound account with your current mortgage lender, you can expect a full refund of those monies within 30 days of closing. For purchase transactions, you can expect annual property taxes to be calculated at a rate of 1.250% of the purchase price.

Loans Funded

Why Empire of America?

Our Reviews!

Our customer reviews are on a variety of web platforms for you to view. From Trust Pilot, to Yelp our clients have detailed their experience with us, commenting on our level of customer service, Empire's quick turnaround times and transparent interest rate pricing.

Let me put it down on paper clearly. If you are NOT using Empire of America or choose another lender you lose out on the most professional, transparent, rapid as it can be, and low cost if you desire. . . .borrowing experience on the market today! Empire of America had the rates and fees to choose from listed right on their site. I was not encouraged to quickly lock in something and did not feel the need to as every time I went to the site the same rates and fees were there over the course of 2 weeks. I was on the bubble with other lenders due to ratio issues and writing off all my legal deductions for my job. The staff kept on insisting to me don’t worry about that and you are fine. We can make your loan work and they did! The underwriting experience and back and forth issues which always seem to come up in real estate financing, were minimal and always quickly addressed.

My past experiences have not all been good, but with Empire America I was in Very Good Hands!

Mark H.

Best around, hands down. I’ve completed 3 refi’s with them over the last year or so. Best rates and great professional service. They know how to deal with the ever-increasing demands of the banks and get the deals done. If you do your part in a timely fashion (get them the documents they need and quit whining about it), you will close on time and for the quoted price. Honestly, after dealing with other mortgage companies that change the deal and drop the ball, I didn’t believe them when we started our first refi (since the rates were so good), but now after 3 successful ones completed on time and on price, I am a true believer.

John B.

Become informed! Our mortgage calculators are easy to use and provide a lot of data to help you make an informed decision on your loan.

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Instant Rate Quotes

True to its name! Without any personal information required, you will instantly get a 100% accurate and complete interest rate quote.

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Some applications take forever to complete, not this one! Taking no longer than 10 minutes, our application is short, efficient & requires no sensitive information.

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