Closed refinance loan. Slide Hill Park, Davis, CA 95618
Fast process and competitive rates. We dealt with the broker David who was very responsive and always took the time to explain the process in simple terms. We received a good rate compared to what big banks were offering. FYI, our loan was sold to flagstar. Doesn't make a difference to us, but thought I would mention it.
We were all set to work with another lender in the area, but found Dave and Empire America at the last minute. We had a great rate already, but Dave beat it by another .25%, so we went with Dave and Empire. We were nervous about making the switch at the last minute and our real estate agent advised us against it, but Dave assured us that they could get it done. Not only did they get it done, but we were able to close earlier than expected. His team was all over it. I've already recommended Dave to my boss... and I think that says a lot. Good luck!
EmpireAmerica was absolutely fantastic to work with for my home loan. I experienced setbacks with another lender due to inflexibility in their system, but this was not the case with EmpireAmerica. They were available to explain the process whenever I had any questions and moved my loan approval and processing forward both quickly and efficiently. Great people. Fantastic service. Excellent loan rates.
Of the 10 or more mortgage companies I've worked with over 30 years, this was the best. It's hard to adequately express how good it was working with David, Stephanie and the rest of their staff. My refinance went absolutely like clockwork. Communication was prompt and clear. David is the principal of the company and answered his phone almost every time I called. When he did not answer he called back promptly. Emails were typically answered within hours. Any issues were dealt with promptly. The loan funded ahead of time and exactly as in the initial disclosure. I recommend them without question.
Closed refinance loan. Agoura, Agoura Hills, CA 91301
A friend recommended them and I found they had the best rates around with the most choices regarding rates and points. Very easy to work with, would get back to you quickly and they were very knowledgable with no B.S!!
I have done several refinances over the last 5 years and EmpireAmerica stood out head & shoulders above the rest. Everyone at EmpireAmerica I dealt with had a direct phone line and answered immediately or returned the call almost immediately. Their competence was impressive. Hardly any errors in the loan docs and my total charges at settlement were within $1 of what they e-mailed me the first day we talked. Helpfulness and follow through were excellent. When the appraisal took so long we couldn't close before the lock expired, David Jones got it extended. When the bank they sold the loan to messed up their paperwork David Jones got it straightened out.
A few years ago, I used Empire of America to refinance my home mortgage. Everything was easy and went smoothly. Later, I refinanced again with another company and it was a giant hassle and took a long time. When we purchased our new home, we went back to Empire of America. Empire of America was incredibly fast and responsive. We looked at our home on a Saturday, submitted our information to Empire of America that evening, received an email from David on Sunday, and got our prequalification letter on Monday; in time to submit our bid. We had a 30 day escrow and our loan paperwork was ready 10 days early! We were able to sign the loan documents a week before close which helped with our schedules. David, Stephanie and Janice were incredibly easy to work with and always responded quickly!
I once worked with many lenders for the past several years, so far EmpireAmerica is the best among them. David and his team members: Stephanie and Janice are very professional and provided best services to me. They are responsive through out the transaction, very experienced and deliver what they promised loan on time, no surprise at the end---all the fees and charges were very clear at the beginning.
My new home purchase was almost ruined by the first lender I approached: Box Home Loan, they couldn't deliver what they promised on time, and their loan processing is very sloppy. When I approached EmpireAmerica, I only had two weeks left for closing without asking the extension from the lien holders and David and his team are able to close it within 2 weeks. I signed the loan doc today, the deal will be closed on time. Thanks very much for David and his team members.
Closed refinance loan. South San Gabriel, Rosemead, CA 91770
Janice Jang (banker) and Stephanie Jones (processor) made the loan happen. Couldn't been more please. No headaches, No surprises. The estimate GFE David Jones provided was very accurate. Had a few negative items, but they were overwhelming overshadowed by the excellent service.