Great experience! Emails were answered often times within 1 or 2 minutes. The entire process was as smooth as any refinance I've ever done. Great rates, and super professional staff, make this my first choice from now on.
Very impressed with EmpireAmerica! Was in the market to get a cash out refi on my home, I called many Mortgage Co. and with my credit they all Quoted me in the mid 4% range, I ran across an ad for EmpireAmerica and decided to give them A call. I spoke to David and he qave me a very good rate that would be offered to someone with a better credit score at the other companies, I couldn't pass up nor could I believe it. I was actually in the process of going for a mid 4% loan and boy was the other mortgage company upset, they even tried to tell me it was a scam and there is no way anyone could offer what EmpireAmerica is offering (keep in mind the Fed just raised the interest rate 1/4 point) so mortgage rates were all over the place. The Loan process was so fast and easy. Stephanie always answered questions promptly and very nice. Highly recommend EmpireAmerica if you want a no headache loan with very low rates.
I have been through a real estate transactions before but this was by far the smoothest. David and Stephanie made the entire mortgage process a breeze. The asked me for few documents, did everything behind the scenes and before I knew it, I was approved for the loan. Their underwriting process was very very smooth. We were ready to close before the closing date and now my wife and I have moved in to the beautiful home. Thank you David / Stephanie !!
Excellent experience with my refinance! This is the 6 or 7th property loan application I've gone through and by far this was the easiest and best experience I've ever had.
A pleasure to work with Stephanie. She was prompt, intelligent, professional and always helpful. Five stars for sure!
After having my hand held throughout my first mortgage, I had a nagging feeling I could have gotten a better deal if I had been a little more organized and went with a smaller lender. My experience with Empire America was just that: they would request documents, I would return them quickly, and everything got settled super fast. David Jones would call me to tell me that rates were dropping, or closing costs dropping, and did whatever saved me the most money. I don't have any complaints about how my refinance went, and I got a great rate too!
Great company to do business from refinancing, purchasing new Homes, and cash out refi. I kept going back for more and their prices are better than most competitors. David and Stephanie Jones are very professional on handling our financial needs and they will provide solid suggestions to fit your finances. I had three separate transactions with the company and everything went well. THEY WILL DELIVER in a timely fashion as long as you do your part. Thank you Empire of America.
Best around, hands down. I've completed 3 refi's with David and Stephanie over the last year or so. Best rates and great professional service. They know how to deal with the ever-increasing demands of the banks and get the deals done. If you do your part in a timely fashion (get them the documents they need and quit whining about it), you will close on time and for the quoted price. Honestly, after dealing with other mortgage brokers that change the deal and drop the ball, I didn't believe them when we started our first refi (since the rates were so good), but now after 3 successful ones completed on time and on price, I am a true believer.
Beware of this company! They don't deserve even a single star! They appear to be very transparent in their rates online, but the appraisers they hire undervalue your property leading to more fees in your loan (which I can only assume they make money on).
Secondly, instead of working with me on my appraisal value, i.e. letting me discuss with the appraiser about value discrepancies, David Jones "cancelled" my refinance without my authorization. This is very unprofessional for any mortgage broker. Now I am out the appraisal fee ($425), rates have gone up and now this guy has all of my personal information.
Easiest refinance ever! Great website where you can quickly determine interest rates and closing costs w/o intrusive calls. A very easy process...always there to answer questions...all done in a couple weeks. Great rates, low/fully disclosed closing costs, and exhaustive disclosure of all financing options and related costs. I highly recommend EmpireAmerica.
I am very impressed with my refinance experience at Empire America, straightforward, excellent staff and the rates are unmatched. David, Janice and Stephanie were always available to answer my questions and made this process very easy for me. I would highly recommend this company to friends and family, they get the job done.
Empire America has done multiple purchases and refinances for us since 2012, sometimes multiple purchases and refinance simultaneously. They all went through smoothly and on time. Their rate are very competitive and the service is unbeatable. Thanks Dave and Stephanie!
I have been a home owner for over 30 years and this mortgage is by far the best. Not only the lowest rates in the marketplace, but they are the most knowledgeable, professional and curious mortgage company, I have ever used. They always return phone calls in a timely matter and have my best interest at heart. All this plus funded my loan in record time!
The days of going to a bank are over. Best of all, lowest rates no points and fees. Can't say enough about this Mortgage company.
I have re-financed homes in the past, which is why I was pleasantly surprised when this time around it went so quickly and smoothly. Everyone was on top of things right from the beginning, and they kept me informed throughout the whole process. When my mortgage company tried to add an additional $2,000 charge to the pay-off balance, the Empire team caught it and told me how to go about getting it removed. I am recommending Empire of America to my friends and relatives.
We worked with David and Stephanie. They were very helpful and knew everything that needed to be done. We were on a timeline as we were buying a new home and the builder was reluctant to have a third party lender involved. They did a great job and there were no problems at all. They made us feel very confident in their abilities and they delivered. Will be using them again next time we move.
These people were great to work with! I've never had such a smooth, easy refi!
empireofamerica.com
