What happens after I apply?

Once you apply, one of Empire’s mortgage consultants will email you a complete documentation list of what will be needed for us to determine if the transaction requested is pre-approved. Once you send all items to us, your pre-approval request will be completed in just a couple hours at most. At a pre-approval status, you are able to rate lock, should you wish to.

The next step would be the electronic signing of your initial disclosures, and once you have, we will submit your loan to underwriting for formal loan approval, and order your appraisal, if you have one required on your file.

After your formal approval comes in a few business days later, we will send you any needed conditions to finish up the transaction.