Best Practices to Improve Your Credit Score & Interest Rate Pricing
April 22, 2022The 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, 2022These 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, 2022It’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, 2022Cash-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 […]
When is it Worth it to Refinance?
March 8, 2022Our 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 […]