Empire Home Loans, Inc. Hazel Ave, Fair Oaks

Fantastic experience working with Stephanie Ammons at Empire Home Loans! She is extremely professional, was able to answer all of my questions in a very timely manner, and an all round an amazing person to work with on the purchase of my new home. Thank you Stephanie!!

Erin Summit is and will always be my go to. She helped make the process easy and enjoyable! Buying a house is a bug deal. She walked us through the process and was friendly and informative. I look forward to working with her again! Erin Scordelis

Both the loan originator and the loan processor were timely in completing our loan tasks, and very responsive when we needed to ask questions. Glad we did business with them.

Empire Home Loans was great to work with but especially loved working with Laura! Professional responsive and easy to work with. Highly recommend her!

I worked with Sue on my loan and it was a wonderful, easy, and QUICK process! Sue was incredibly fast in getting me closed. From initial submission to ready for Docs it was 5 business days and we closed 2 weeks ahead of the original close of escrow date...and all of this was achieved during Covid times! I cannot recommend them enough. We went at lighting speed and everything was so easy throughout the entire process. I highly recommend Empire.. especially Sue!

Our loan officer, Sue Southwick, was very professional and also had a friendly personality that made it a pleasure to work with. She was able to answer all of our questions in a very timely manner. She kept us informed on the progress of our loan through-out the process. It was completely stress free and the smoothest refi we ever did! Very impressive and much appreciated!

Nannette was our broker at Empire home loans. She was excellent to work with. She got us a great rate on our cash out refi (better than any other loan application, even from a credit union), and was super responsive to questions throughout the process. Honestly, I had no idea that getting a refinance was so easy... She would email me forms, which were all able to sign online. A few weeks later, done! And all during the crazy early days of Covid market stress.... In short, I would highly recommend Nannette Alonso, and if she is any indication, the rest of the team will be of excellent calibre as well. You should definitely give them a call!

I was so impressed with Joe McKone and Empire Home Loans. They made my entire Re-Fi process a breeze. Joe is professional and responsive, has a can-do attitude, and actually made the process fun. The process only took a few weeks, and the on-line tools that were provided made it so easy. Need a home loan or Re-Fi? Call Joe McKone!

Leo Whitton at Empire Home Loans provided me with exceptional service. No problems, no issues, no delays. This guy makes everything work the way we want home loans and refinances to work. I cant thank him and Empire Home Loans enough!!! This is the company to choose!

Great experience. Alex Hall is a mortgage lending ninja! I felt very confident and informed during every step of the process. Because of unique situations, there were a few times we thought we were ready to refinance before we actually went through with it. Alex suggested doing some comparing with other lending options to try to find the best deal, including looking into what kind of deals we could get through our current mortgage company and our credit union, as they can often have incentives for current customers. More than once, competing lenders had given a quote that seemed to be better than what Empire could offer. Alex acknowledged it, and suggested that we take the other lenders' offers. However, as we started the process with the other lenders, they were not able to honor their original quote. Even though we had decided to go with someone else, with Alex's blessing, I still came to him with questions. He looked at the other lenders' offers and each time saw how they were not actually getting us a better deal. He lined up items from the competing loan options and clearly explained how Empire could in fact offer a better deal in the end, (lower interest, lower set up fees, etc.) Additionally, Alex really tried to consider the best time to initiate the process and lock in rates. He recommended waiting a week, with hopes for slightly better rates; then even waiting until the afternoon rather than morning to get shave even a little more off the rate, all which paid off. It really felt like he was trying to save us every penny he could, as if the loan was his own. I can't imagine anyone else, who was trying to get our business, work as hard to make sure they were our best option. On top of that, this was all during the initial craziness of the COVID-19 pandemic. I will recommend Alex and Empire as often as I can to family, friends, or anyone who will listen.