We recently closed a cash out refi loan on our home. I contacted several lenders through Zillow and David at EmpireAmerica was by far the most helpful with answering my questions and walking me through the process. We did not close our loan with Empire, because we ended up choosing another lender at the last minute b/c of a rate change that benefited us. I felt bad making the switch b/c David had been so helpful. I get the feeling Empre is a small operation but David was always very responsive with answering calls or calling back quickly and spent ALOT of time answering all my question, never making me feel rushed. I will certainly reach out again to David the next time we have a mortgage need.