Frequently Asked Questions

Can I apply before I find a property and get pre-approved?

Yes, pre-approval is important! Empire only pre-approves clients through full underwriting review, meaning that aside from software analytics from federal agencies Fannie Mae and Freddie Mac, Empire’s underwriters review income, credit and asset documentation to confirm approval of the proposed financing.

To be pre-approved just complete these easy steps; complete our online application, which is available 24/7 on our website, send to us the requested income and asset loan documentation, and your application will be reviewed by one of our staff underwriters. Once pre-approved a pre-approval letter will be issued and emailed to you within a few hours. There is not cost for the pre-approval process, and you are not under any obligation to obtain a mortgage from our company, but we hope that our underwriting services will provide you some assurance on your qualifications for financing as you enter the real estate marketplace.

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