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. We lend in multiple States from a single location eliminating the cost of brick and mortar branches.

We utilize state of the art technology, including online pricing engines, online cost estimates, online loan applications and automated underwriting systems that provide you with free loan pre-approval upon the submission of your online application and documentation.

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