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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.

I just found the best rates in the entire US… you should give them a call. They have a website that provides you with all the details of the IR, APR and closing cost at your fingertip. I would like my friends and family to use them as they not only were extremely helpful and attentive, but have the lowest rates. I keep getting calls from other lenders and were trying to tell me that it was not possible to get so great rates and tried to discourage  me to use Empire of America.

Claudia M.

David and Janice were available on the first ring every time I called, to answer questions and make suggestions and explain things. The process was fast – the limiting factor was me, getting them the documents they needed. They got me the loan on good terms, even though my situation wasn’t 100% simple. An excellent experience.

Bill F.

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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Understanding the Formula for Calculating a Mortgage Payment

David A. Jones

From mortgage debt, mortgage products, how to qualify for a home loan, and expected interest payment...Get the info here to better understand the formula for calculating a mortgage payment.

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Choosing the Right Mortgage Lender

David A. Jones

Today there are many mortgage lenders and brokers eager to accept your mortgage loan application, and it’s important for you to shop around and choosing the right mortgage lender for your requirements. Here are some tips for choosing the right mortgage lender.

Millennial lunch

10 Questions to Ask Your Mortgage Lender

David A. Jones

Always ask the relevant mortgage lender questions when shopping for mortgage lenders, and well before you make a commitment to use their services. And, continue shopping for the right lender until you find a lender you feel comfortable with, someone who will assist you in finding the right mortgage product for your goals, not theirs.