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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- What supporting documentation is required?
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- What are included in your closing costs? What are pre-paids & are they different from closing costs?
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- What is your minimum credit score requirement?
- Do you have any programs that don’t require income documentation?
- Is there a fee or any obligation if I apply?