Frequently Asked Questions

How can you offer such low rates?

Since 1983, Empire of America has worked hard to create the most efficient loan origination system in the industry. As a direct lender offering mortgages online, our system eliminates the need for commissioned loan officers, a high-cost component of mortgage lending and we lend in multiple States from one location eliminating the cost of brick-and-mortar branches. We utilize latest technology, including online pricing engines, cost estimates, loan applications and automated underwriting systems to provide all lending milestones, from start to finish, in a seamless and streamlined process.

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