Empire Home Loans, Inc.

    Your business?

    Mortgage Brokers

    Fair Oaks, CA

    Empire Home Loans is a mortgage lender serving homebuyers and refinancing clients across multiple states from their Fair Oaks, California headquarters. They specialize in connecting borrowers with loan programs from top lenders tailored to individual budgets and goals, offering both purchase mortgages and refinancing solutions. Their approach emphasizes transparency, personalized service from experienced loan officers, and technology-driven tools to streamline the lending process.

    Best for: RefinancingCompetitive Rates

    Ideal for: First-time home buyers, homeowners refinancing, buyers seeking multiple loan options, borrowers wanting personalized guidance

    Service area: California, Arizona, and nationwide; headquartered in Fair Oaks, CA

    What Sets Empire Home Loans, Inc. Apart

    Access to Multiple Lenders: Empire Home Loans uses a hybrid broker-retail model to connect borrowers with loan programs from multiple top lenders rather than offering only in-house products, providing more options and competitive rates.

    Experienced Loan Officer Team: The company emphasizes hiring experienced loan officers and leaders rather than inexperienced licensees, with a focus on personalized guidance and quick response times throughout the loan process.

    Streamlined Process: Clients receive customized loan plans with transparent programs and technology-driven tools designed to simplify the mortgage process, with many refinances completed in approximately two weeks.

    First-Time Buyer ProgramsRefinancingAccess to Multiple Lenders
    Mortgage LenderHome PurchaseRefinancingLoan Officer ServiceMultiple Lenders
    Google Rating
    5.0 ★ (1112 reviews)
    Phone
    (916) 804-4768

    Location

    Address: 4401 Hazel Ave #225, Fair Oaks, CA 95628

    Phone: (916) 804-4768

    Website: empirehomeloans.com

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    Last updated April 15, 2026

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