Why Should You Choose 1st Empire Elite Financial

If you are like most people, you’ll be paying down your mortgage for a pretty long time. Even small differences in your interest rate can make a big difference in your payment. That’s why we guarantees that we’ll beat any competitor’s locked loan rate or we’ll pay you $500 in cash. Go ahead, shop around and then see all that money we can save you. You’ll be thanking us for 30 years.
Contact 1st Empire Elite Financial today to discuss your mortgage loan options and find out which loan program will best suit your needs.

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It’s A Process, But We Made It Easy

1st Empire Elite Financial was born out of the need for a simplified mortgage loan process. Loan officers, uncomfortable office chairs, and hours spent talking about the humdrum don’t have to make up your loan experience. With 1st Empire Elite Financial you get an amazing rate, simplicity and friendly support. It’s so much better than before.

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MORTGAGE BROKERS

Darin prepared my 80 year old mother’s taxes for her and got her a refund that she wasn’t expecting. She had a ‘friend’ prepare them in the past and ended up owing! Darin was very knowledgeable and was able to get her credits where available.

Polly Shima

Polly Shima

March 12, 2017

Darin is the MAN when it comes to taxes! This was my first year having my own business and 1099. He knew exactly what to do to help get back the most possible for my family’s situation. The process is so easy, and he took care of everything very quickly.

Katheryn Atwood

Katheryn Atwood

April 17, 2017

Ms Rose worked expeditiously to give me and my family a peace of mind with our taxes. She was very thorough and professional and is the best tax preparer and real estate agent I know. I strongly recommend her company to anyone to get your taxes completed.

Matthew Pridgen

Matthew Pridgen

Miami, FlL

ABOUT US

No matter how you slice it, <strong>the purchase or refinancing of a home is a big deal.</strong> The truth is that not all Mortgage Loan Advisors (and the lenders they represent) are the same. Just like in every industry, there are those that really care about the people they are working for as I do; and then there are those to avoid because you are just a number.

If you are buying or refinancing a home, you want to have a Mortgage Loan Advisor that will take the time to listen and answer your questions. You need someone you can trust to provide you with clearly defined options and help you make a loan decision that is right for you. You deserve someone that will guide you through the entire process and be there for you before, during, and after your loan.

If you are selling your home to someone that needs financing, you want your buyer to have a Mortgage Loan Advisor that keeps you informed every step of the way. You want to be confident that your buyer has the ability get financing and that their loan will close on time.

If you are a real estate agent, a builder, a title agent, or one of the many other professionals involved in the sale of a home, you only want to work with a Mortgage Loan Advisor that has your clients’ best interest every step of the way. When the buyer’s Mortgage Loan Advisor maintains constant communication with all parties involved, follows through every time, and always closes the loan on‐time, everyone wins.

Feel free to use our Finance Calculator

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Calculator Disclaimer

The repayment amount shown using this calculator is an estimate, based on information you have provided. It is provided for illustrative purposes only and actual repayment amounts may vary. To find out actual repayment amounts, contact us. This calculation does not constitute a quote, loan approval, agreement or advice by My Finance. It does not take into account your personal or financial circumstances.

A Simplified Three-Step Process

Points. Fees. Rates. Mortgage loans have a lot of moving parts. It can be intimidating to try to tackle it all. That’s why we’ve automated the process. Not only is it simplified, but we can save you lots of money compared to the other guys.

Apply Online For Your Loan

You’re busy, and we get it. You can apply directly online and get assistance from a professional without leaving your couch

Upload Necessary Documents

You’ll need to supply some information in order to start the loan process. It’s as easy as posting a photo on Instagram.

Sign In-Person Or Online

The dotted line is on your screen, It’s time to put pen to paper or mouse to document. Your autograph is the final step.

Get The Best Deals For Your Dream Home With Us

Frequently Asked Questions

Is a fixed-rate or adjustable-rate mortgage better?

Fixed-rate mortgages make sense for buyers when the current mortgage rate is low. This allows you to lock in the current rate and be protected from increases that are likely to take place over the next 30 years. If the current rate is high, an adjustable-rate mortgage may be better because rates can drop. It is good to remember that you will have the option to refinance in the future to take advantage of rate changes as well.

What goes into closing costs?

Fixed-rate mortgages make sense for buyers when the current mortgage rate is low. This allows you to lock in the current rate and be protected from increases that are likely to take place over the next 30 years. If the current rate is high, an adjustable-rate mortgage may be better because rates can drop. It is good to remember that you will have the option to refinance in the future to take advantage of rate changes as well.

What documents do I need when closing a loan?

Each lender requires slightly different financial records—this will depend on the type and amount of the loan you are applying for. However, there are some basic records all lenders will request. These include income records (i.e. pay stubs for the previous 30 days, the last two years of tax returns, 2 to 3 months of bank records for each of your bank accounts, and any other additional documents that prove your income). You will also need to furnish information about your current debts such as account numbers and monthly payment information.

Can I use 1st empire Elite Financial if I am not buying with Dr. Mortgage Real Estate?

Yes! We’d never want to exclude anyone from saving big bucks just because they’re not using Homie Real Estate services.

How quickly will the loan process be completed?

We don’t like to brag, but we usually have a quick turnaround time for most loans. You’ll be made aware of your loan progress ASAP

What are fixed-rate mortgages (FRMs) and adjustable-rate mortgages (ARMs)?

The interest rate for a fixed-rate mortgage is set in place over the life of the loan. On the other hand, an adjustable-rate mortgage can have its interest rate rise or fall during specified adjustment periods.

1st Empire Elite Financial is an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age (provided you have the capacity to enter into a binding contract), because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. The federal agency that administers our compliance with these federal laws is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC, 20580.

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