Rate-and-term, cash-out and recast — with break-even arithmetic shown before you commit. We'll tell you when not to refinance.
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.
Rate-and-term, cash-out and recast — with break-even arithmetic shown before you commit. We'll tell you when not to refinance.
Private Client Group — Residential Finance
Est. 2009 ·
Program № 05 — Refinance
Rate-and-term, cash-out, shorter term or recast: the recommendation begins with your current loan and ends with a break-even you can audit.
Plate V — the same threshold, redrawn only when it improves the plan.
The advertisement sells a rate. We price the years you will actually keep it.
Cash-out is not automatically a reason to replace a low-rate first mortgage; blended cost decides.
Adjacent reading
Bring the latest mortgage statement and your expected hold period. We will show the break-even, total cost and the honest case for waiting.
Considered finance, for considerable homes.
Navigate
Programs
Reach
Elsewhere
By appointment, Mon–Fri
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. This site does not provide tax advice — decisions with tax consequences belong with your CPA.