At Empire Mortgage Serices We offer a full range of flexible mortgage products for individuals who otherwise wouldn't qualify for a conventional mortgage for reasons such as a low credit score or inability to verify a source of income. The following is a list of the different flexible loan types we offer.

Residential

  •  No documentation - 100% financing credit score driven with a minimum credit score of 620.

 •  ARM programs - available from a 2/28, 3/27, 5/25 ,7/6, 10/6 and much more including are most aggressive MTA 1% program all that's needed is 620 credit score.

 •  Fixed rate programs - 30-year/15 year and our new 40year, which can also be interest only for the life of the loan helping monthly payments, get as low as desired.

 •  SISA - (Stated income/ stated assets) with a 620 credit score by only verifying income and assets you can get 100% financing.

 •  SIVA - (Stated income/Verified assets) also with 620 credit score.

 •  Low Credit Programs -With a 580 credit score you can get 100% financing verifying documentation (full doc)

 •  100%+ Programs - Money out of pocket not necessary Financing closing coast available.

  •  Full Doc Programs­ - As low as a 580 credit score providing full documentation and upto 100% financing.

  •  100% combos - your loan is split into 80%/20% or 70%/30% to get lower monthly payments.

  •  Refinance cash out 100%- with a 580 credit score providing full documentation.

Commercial

  •  CLTV (Combined loan to value) 90% with a 640 credit score using stated income/ stated assets.

  •  No source of seasoning of funds

  •  Full documentation : 90% LTV

Cick here to fid out hhow to close your loan in as little as five days.