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 […]

Can I Qualify with Self-Employment?

March 8, 2022

The quick answer is yes, absolutely! We work with plenty of clients who are self-employed. Here are some quick rules and guides to help you see how it works: History Requirement: Two-year history of the company/self-employment. Some exceptions are made [...]

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 […]

Mortgage Lender or Broker? What’s the Difference?

March 17, 2022

Is there a difference between a mortgage brokers and a mortgage lender? Yes. Lenders are creditors, have full control over all lending aspects of the lending transaction. Brokers: not so much. Brokers are not creditors; and therefore, they do not […]

Mortgage Transaction Steps

March 8, 2022

Common questions: Can we close in less than 30 days? Absolutely, we often close much sooner. If you were interested in a specific timeframe, just mention it to your loan consultant and we can usually accommodate you. Do I need [...]

Underwriting Tips that Can Save a Real Estate Transaction

April 7, 2022

Listed below are a few underwriting tips of the trade, that we use in a tight spot when qualifying clients. Not everyone knows about these underwriting maneuvers, so we thought we would share – as there are many ways to […]