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!