Private mortgage counsel for jumbo and luxury home finance. Portfolio lending, second homes and refinance, handled with editorial care — est. 2009.
Russell Petty, Real Estate Agent
Empire Home Loans
Phone: (555) 555-5555
Email: [email protected]
NMLS# 7206
Empire Home Loans, Inc., NMLS ID #1839243, CA DRE #02086593, CA DFPI/CFL License #60DBO-95315, AZ Lic: MB-1012019. Refer to www.nmlsconsumeraccess.org to see additional license information. The Corporate office address is 4401 Hazel Ave Suite 225, Fair Oaks, CA 95628; www.empirehomeloans.com. This communication is for informational purposes only. This is not a commitment to lend. All programs are subject to change or cancellation at any time and without notice. Empire Home Loans, Inc., supports Equal Housing Opportunity.
Private mortgage counsel for jumbo and luxury home finance. Portfolio lending, second homes and refinance, handled with editorial care — est. 2009.
Private Client Group — Residential Finance
Est. 2009 ·
Private Mortgage Counsel — Purchase & Refinance
is a private mortgage practice for buyers whose balance sheets — and houses — do not fit standard boxes. Jumbo, portfolio and second-home lending, underwritten with the care of a family office and the candor of good counsel.
A mortgage is a purchase of certainty. We price it accordingly.
Most lending is built for throughput — a thousand identical files a month, each pushed through the same chute. Meridian was built the other way around: a deliberately small book of complex engagements, each argued on its merits to lenders who can actually read one.
¹ We decline more engagements than we accept. It keeps the work exact — and it is why the files we do take tend to close on schedule.
Figures reflect the practice's cumulative book through . Past performance is a record, not a promise.
Fig. 01 —
Seventeen years in, I still read every file myself. Not because I distrust my colleagues — because the interesting problems live in the details: the vesting schedule that unlocks a lower rate, the trust language an underwriter will flag on day twelve unless it is addressed on day one. If your last lender told you your income “doesn't count,” what they meant is that they didn't know how to present it. That presentation is most of this profession.
We take on around sixty engagements a year. Enough to stay sharp; few enough to know every appraiser, agent and attorney on your deal by first name.
05 — Correspondence
Tell us about the property, the timing, and anything you suspect makes your file interesting. replies personally, within one business day.
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Hours Monday–Friday, 8:00–6:00 Pacific
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Considered finance, for considerable homes.
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Payment figures shown anywhere on this site are illustrative only and are not an offer of credit, a rate quote, or a commitment to lend. All lending subject to underwriting and program guidelines.