Meet the principal behind Meridian Home Loans — sixteen years of jumbo and portfolio lending, a written strategy memo for every client, and a deliberately small book.
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.
Meet the principal behind Meridian Home Loans — sixteen years of jumbo and portfolio lending, a written strategy memo for every client, and a deliberately small book.
Private Client Group — Residential Finance
Est. 2009 ·
A Profile of the Principal
and founder of . Seventeen years of jumbo, portfolio and second-home lending — and a standing habit of telling clients the inconvenient number first.
Fig. 01 —
Before founding the practice in 2009, spent seven years structuring residential credit inside a regional private bank — the side of the desk where loans are approved, priced and occasionally rescued. It left two convictions: that most declines are failures of presentation rather than of borrowers, and that nobody should sign a seven-figure liability on the strength of a phone call and a rate quote.
So the practice was built around a document instead: the strategy memo. Every engagement receives one — three structures, priced side by side, each argued for and against in plain English before anyone commits to anything. Clients have called it “outside counsel for the balance sheet.” We call it the minimum standard for advice at this altitude.
The clientele is deliberately narrow: founders and executives with concentrated equity, partners with K-1 income that terrifies retail underwriters, families buying the coastal or mountain house they have circled for a decade, and trustees who need a lender comfortable reading trust instruments. If that describes your file, the fit is probably good. If it does not, we will say so on the first call — and point you somewhere better.
Median engagement, first call to clear-to-close: 21 days over the past twelve months. Complex portfolio files run longer, and we say so up front.
A mortgage at this level is a team sport. We are comfortable not being the loudest voice at the table.
05 — An Invitation
The first conversation costs nothing and commits you to nothing — and you will leave it with a straight answer either way.
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.