My New Blog

 Empire Home Mortgage continues to see an upbeat in Florida Real Estate transactions. We believe that this is the consumers belief that the market has bottomed out. Over 90% of our applications are first time home buyers, previous renters. Most of these are FHA loans which require only 3% down.

 Our NY applications have slowed by 25% from September. We think this is due to September having a large jump in activity coming off the summer vacation season. Our Realtor partners suggest that the time an average house is on the market is climbing slightly. Additionally they are seeing a slight uptick on prices on Long Island.

  Empire Home Mortgage Inc. reminds prospective buyers that we offer free credit checks and we will tell what your middle credit score is. We pull a trimerged credit report from Equifax, Experian and Trans Union. We have dedicated credit counselors who can advise you where your score needs to be for various loan programs. This is the most important aspect in buying a house. We also have First Time Homebuyer Programs where Nassau County New York will assist with a $15000 down payment. Certain requirements must be met to qualify.

 We answer our phones seven days a week up to 9 PM. Put us to the test. Take alook at our website, www.empirehomemortgeginc.com . You can get answers to your financing questions, use our mortgage calculators and even fill out an online application. This is a secure, encrypted sight.

 We arrange financing in New York State, all counties, and all of Florida. We provide financing through third party providers and are a licensed Mortgage Broker in NY and a Mortgage Broker business in Fl. We are also members of NAMB.