Products

Obtaining a new mortgage is more than a one-time transaction; it’s a financial decision that impacts your life for years to come. Whether you’re looking to purchase a new home or refinance an existing mortgage, it’s important to have a lending strategy that fits within your larger financial picture. Empire America has a wide range of home financing options designed to take advantage of today’s real estate environment

Standard 10, 15, 20, 25 and 30 Year Fixed Rate Loans

Our standard Fixed Rate loans offer terms of 10, 15, 20, 25 or 30 years. EmpireAmerica, at no cost to you will pre-qualify for the proposed financing and advise you of closing costs across an array of rate options. Call 1-866-411-EOA1 (3621) now or simply apply online.

Standard 5/1, 7/1, 10/1 Adjustable Rate Loans (ARMS)

Our shorter term, Adjustable Rate Mortgages offer the lowest rates available, but may  not be suitable for your particular requirements. However it may be beneficial if you’re planning on selling your home in the next few years. The ARM loan may save you a considerable amount during the initial fixed rate term of the loan.

Home Affordable Refinance Program or HARP Loans

If you have been unable to get traditional refinancing because your home value has declined, the Home Affordable
Refinance Program (HARP) may be able to help you. If your mortgage is owned by one of the Agencies, you may be eligible. Click here to check and take advantage of this great program now.

Jumbo 15 and 30 year Fixed Rate Loans

EmpireAmerica is a price leader in Jumbo financing.  All of our Jumbo loan products have no prepayment penalty, and the No Lender Cost and No Closing Cost options are frequently used in this  lending category. Loan amounts to $7,500,000.

Jumbo 5/1, 7/1, 10/1 Adjustable Rate Loans

EmpireAmerica is also a price leader in Jumbo Adjustable Rate financing. All of our Jumbo ARM loan products have no prepayment penalty, and the No Lender Cost and No Closing Cost options are frequently used in this lending category. Loan amounts to $7,500,000.