Call us at 909-912-1886 in Rancho Cucamonga
Call us at 909-912-1886 in Rancho Cucamonga
Our focus at Empire Sales Team is on facilitating a fast and easy loan process to bring you the financing you need quickly and professionally. Whether you are looking for a residential purchase or refinance loan we can connect you with a range of offers which are targeted to your specific needs.
Getting a mortgage is a big deal. Your choice of a mortgage lender should be too. Empire Sales Team has a well-earned, established reputation. Find out why we’re different, and why that difference will matter to you. Our customer's satisfation is our primary goal!
1. Commitment to transparency. No surprises.
At Empire Sales Team, we treat you how we want to be treated. If you’re concerned about a “salesman” or an Internet ad luring you in with a “low rate” only to find out later the quoted rate was a “bait and switch,” then you’ll like doing business with us. We’re transparent from the very start about what interest rate you qualify for and will disclose exactly how much it will cost to close your loan. We also won’t change our pricing after giving you a Loan Estimate. You’ll walk confidently into closing knowing the fees associated with and terms of your loan. No surprises.
2. Commitment to consultative relationships. No order takers
At Empire Sales Team, we take a consultative approach to your mortgage. This means we take the time to understand your short- and long-term goals, educate you about your options, and help you choose a loan. What “consultative” also means is if you ask us for a loan we think might be a mistake, or not entirely fit for your situation, we won’t just “take your order” without question. We’ll make sure you understand possible drawbacks and other available options, so you land the loan that fits your unique needs.
3. Commitment to alternatives. No situation is too complex.
Has a traditional bank turned you down? Think your situation might be too complex for a lender to offer you mortgage terms you can live with? Think again. We at Empire offer you multiple lending options through multiple channels. We’ll shop for the loans that fit you, and provide as many alternatives as possible to get it done.
4. Timely transactions. No slackers.
When you’re buying in a competitive market, timeliness matters. We, at Empire, move fast and work hard to close your loan quickly, so ask your Loan Advisor what our current days-to-close is running if speed matters to you.
5. California Expertise. No strangers – we’re local to your neighborhood.
You’ll be glad we’re in your neighborhood we’re intimately familiar with the areas and neighborhoods you’ll be buying into. The California housing market is unique and Empire Sales Team will help you navigate the hurdles.
Unlike a bank, which is limited to offering you mortgages from its product line only, a mortgage broker can offer you multiple loan options from multiple lenders, many of which you’d likely not have known about.
With so many confusing mortgage options and offers to choose from, and with the constant refrain of “Lowest rate! Lowest rate!” echoing across the Internet, it’s no wonder many homebuyers choose to work with a mortgage broker who has the ability to shop your loan request to many lenders locally and nationwide.
Buying a house is a lot to wrap your head around, especially as a first-time home buyer.
But if you know what to expect, it doesn’t have to be stressful or confusing. Here at Empire Sales Team, we specialize in helping First Tme Buyer's get the right loan for their new purchase and navigate through the purchase process.
Homebuyers looking for a flexible loan with easy credit requirements and a low down payment can apply for an FHA loan.
While FHA loans are the top choice of many first-time homebuyers, you do not need to be a first-time homebuyer to qualify. All you need to do is meet the basic criteria.
The most common type of prime loan you can use to purchase a property is called a conventional loan.
Conventional loans conform to the maximum loan limits established by Fannie Mae and Freddie Mac. Unlike certain other types of loans such as FHA loans, they are not backed up by government funds.
Commercial and residential buyers looking to apply for a loan without furnishing paperwork such as a W-2 can apply for a no income loan through Empire Sales Team.
Through our company, you can also apply for a bank statement loan. This allows you to document your income by providing us with personal or business bank statements for the last 12 to 24 months.
If you would like to purchase property in California which surpasses Fannie Mae and Freddie Mac’s conforming loan limits, you will need to apply for a jumbo loan. These are typically for higher priced mortgages.
Let Empire Sales Team Find you the best jumbo loan for your next purchase or refinance.
For the brave men and women who have served our country, VA loans provide an opportunity to finance a home simply and affordably.
Insured by the Department of Veterans Affairs (VA), these loans are packed with competitive features like zero down payment and no prepayment penalties.
What if there were a way that you could pull equity out of your property during retirement to help you pay your bills?
With a reverse mortgage in California, you can enhance the flexibility of your finances with supplemental income straight from your home.
A premiere loan program specifically designed for experienced real estate investors and expert fix and flippers.
Let Empire Sales Team Find you the best loan for your next investment purchase.
A Zero down payment mortgage allows first-time home buyers and repeat home buyers to purchase property with no money required at closing, except standard closing costs.
Thanks to these loan programs, home buyers no longer have to save for years to buy a home. Many are ready to buy and simply don’t know it yet.
zero down payment options, first time home buyer programs, first time home buyer grants and much more.
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Nervous about your property adventure? Don’t be. Whether you're getting ready to buy or sell, in the middle of it, or just looking for some answers, our top-notch skills ensure you get the best experience possible. It’s what we love to do.
Large or small, condo or mansion, we can find it and get it for you at the price that's right. TICs? Fixer-uppers? Luxury? We can help with all of it. We always have a current list of available properties for you to check out.
If you have questions about affordability, credit, legal matters, or income, trust us to find you what you need fast. We make sure you feel confident and educated every step of the way.
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9431 Haven Avenue, Suite #124, Rancho Cucamonga, California 91730, United States
Open today | 09:00 am – 05:00 pm |
Monday - Friday: 9am - 5pm
Saturday: 10am-4pm
Sunday: Closed
Copyright © 2022 Mortgage Broker Rancho Cucamonga | Empire Sales Team - All Rights Reserved.
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