As the market enters the Holiday Season we are seeing the expected slow down in mortgage inquiries. Only the real serious buyers are getting pre approved. Interest rates are declining with 30 year fixed rate mortgages around 5.625%. Guidelines for financings are continuing to tighten. If you are looking for a mortgage it is most important to get pre qualified. Empire Home Mortgage can perform a credit check and if needed recommend actions which may improve your credit. We have access to various down payment assistance programs. Empire Home Mortgage Inc. is licensed by the Banking Departments of New York and Florida and loans are arranged through third party providers. We provide Mom and Pop service, which is a rarity in todays mortgage market. We answer our phones seven days a week up to 9 PM and we consider you a customer for life.