Frequently Asked Questions

Our standard lock period is 30 days, although we often close loans much sooner. We are confident we will close your loan in this time frame as long as you send in all requested documentation in a timely manner and schedule your appraisal inspection at your earliest (if your transaction requires one).  Because we are a direct lender, we have control over the approval process, drawing loan documents and funding the loan. Should you need to close your loan in a shorter time period, just let your Empire mortgage consultant know, we can likely make that happen.