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Who is Empire Home Loans, Inc.?

Empire Home Loans is about people over profits. That starts with the great folks we hire, as we don’t just employ inexperienced Loan Officers who are just looking for a place to hang their license and be managed – we look for LEADERS.

We also surround our LO partners with the circumstances and tools they need to THRIVE, no matter what the market looks like. We saw the need for a hybrid model that took the best aspects of retail lending and synthesized them with the broker platform, and Empire Home Loans was born.

What does that all mean? Empire Home Loans is a far cry from the traditional mortgage brokerage because we hire our team members as W2 employees, so they have a huge tax advantage at the end of the year and can treat their business strategically, effectively posing a solution to the traditional (but broken) broker model.

In that way, our business owners grow and see success when our team members succeed.

There’s no doubt that the traditional broker model is woefully ill-equipped in today’s mortgage world, leaving their LOs on an island without the support, teamwork, and systems they need to compete.

But at Empire Home Loans, we also don’t try to fit everyone in the same box. Loan officers will also enjoy the freedom to be themselves and work the way that’s best for them. We mold our ecosystem to showcase the strengths and personality types of our individuals, who collectively boost our culture.

So, if you come to work with Empire Home Loans, what can you expect your first day?

We’ve heard LOs describe our culture as collaborative, engaging, communicative, fun, energetic, inspiring, and entrepreneurial. But we think it’s much simpler, as we just encourage each of our team members to find and nurture their own SUPERPOWERS!

But the real superpower is the flexibility our LOs have in matching each borrower and client with the very best home loan for their specific needs. As brokers, we have the ability to shop many different investors, and are not beholden to any investor’s guidelines, overlays, time frames, process, or pricing.

We’re already seeing the benefit of this new hybrid model as the Coronavirus pandemic has not only shaken the very bedrock of our economy but is tightening the screws on mortgage lending and the real estate industry.

In fact, we’re quite proud of our response, as we released videos to educate our loan officers on up to date changes with MBS, liquidity, investor guidelines, and premium pricing.

We’ve adopted a strategic and proactive approach by communicating with our LOS inside our connection portal, and that grants our team members a real-time advantage every single day as we all navigate the “new normal” of this pandemic.

Not everyone is a good fit for the Empire Home Loans team, but we’d love to have an honest conversation to see if we can help each other.

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