Interest Rates

Best Practices to Improve Your Credit Score & Interest Rate Pricing

April 22, 2022

The best way to improve your credit score is to follow the best practices listed below for raising and then maintaining, a high credit score. A good credit score can benefit you in many ways; people with strong credit have […]

Closing Cost Breakdown

March 8, 2022

These are the hard costs you incur to obtain a mortgage. Closing costs are separate from pre-paid expenses for taxes, insurance, or interest – together they are combined to determine the funds needed to close (total cash required). Closing Costs […]

Empire of America (EOAC) – 40 Years of Residential Real Estate Lending

April 7, 2022

It’s been 40 years since our firm opened its doors. Decades of operations and experience, with the same CEO at the helm, has led our firm to a strong client & referral base, and here’s what they have to say […]

HELOC Versus Cash-Out Refinance

April 21, 2022

Cash-Out Refinance   Most homeowners have experienced substantial equity appreciation in their primary residence over the past several years, however that may be easing in the years ahead. The home’s current equity is defined as the difference between the outstanding […]

What is Happening to Mortgage Rates?

April 22, 2022

Mortgage interest rates can have a direct impact on the long-term cost of purchasing a home, and mortgage borrowers will seek the lowest possible mortgage interest rates at the most reasonable cost to close. The lowest mortgage interest rates (conventional […]

When is it Worth it to Refinance?

March 8, 2022

Our fiduciary is to assist our clients, we would only refinance your property if there is a net tangible benefit to be had. How do you determine if it’s worth it? Here are some items that we keep in mind […]