Through our cutting edge systems and dedicated focus on connections over transactions, our goal is to lead you through a simplified, streamlined, and personalized process from beginning to close, so you can achieve your dreams of owning your own home with ease. Whether you're buying, selling, refinancing, or building your dream home, you have a lot riding on your loan specialist.
Since market conditions and mortgage programs change frequently, you need to make sure you're dealing with a top professional who is able to give you quick and accurate financial advice. I have the expertise and knowledge you need to explore the many financing options available. Ensuring that you make the right choice for you and your family is my ultimate goal.
Since market conditions and mortgage programs change frequently, you need to make sure you're dealing with a top professional who is able to give you quick and accurate financial advice. I have the expertise and knowledge you need to explore the many financing options available. Ensuring that you make the right choice for you and your family is my ultimate goal.
Services
Our mission is to serve our customers with honesty, integrity, and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
The most common type of loan option, the traditional fixed-rate mortgage includes monthly principal and interest payments which never change during the loan's lifetime. Adjustable-rate mortgages include interest payments that shift during the loan's term, depending on current market conditions. Typically, these loans carry a fixed-interest rate for a set period of time before adjusting.
It's generally a good time to refinance when mortgage rates are 2% lower than the current rate on your loan. It may be a viable option even if the interest rate difference is only 1% or less. Any reduction can trim your monthly mortgage payments. Example: Your payment, excluding taxes and insurance, would be about $770 on a $100,000 loan at 8.5%; if the rate were lowered to 7.5%, your payment would then be $700, now you're saving $70 per month.
Reviews (7)
Mikal D.
Dec 11, 2020
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2020 has been a challenging year in just about every facet, so JT (James Taylor) was a more than needed and welcomed breath of fresh air. I was in the market like many folks to refinance my mortgage. As a first time home owner still in their first home I was not sure what to expect which was a bit nerve wrecking. Enter JT and Empire Mortgage. JT broke down the process in simple terms that I could understand and if I had any questions he was literally a phone call away. I got locked in at a unbelievable rate and couldn't be more satisfied with the service and experience. Highly recommended
Kim G.
Nov 23, 2020
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Like most folks, my wife and I were looking to lower our monthly expenses. One big step toward that goal was to look at our mortgages. The interest rate on our second mortgage was about twice of what the current rates were so we decided it was time to consolidate our first and second mortgage. We contacted James Taylor and he got right to work. He was prompt in his responses and gave us several options regarding terms/length of mortgage, etc. He met with us (following all Covid protocols) and explained each option. He answered all of the questions we had. We asked James for some time to
Richard W.
Feb 09, 2019
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We are first time home buyers and Chris was recommended to us by our realtor. Working with Chris was a breeze. We liked the online system for submitting the application, and we noticed that this application was easier than the other application we completed for a different company.
Chris was very responsive and worked quickly to process our lending as we had a shorter close. As a first time home buyer, my wife and I were nervous of the whole process, but Chris did an amazing job in helping us.
Chris was very responsive and worked quickly to process our lending as we had a shorter close. As a first time home buyer, my wife and I were nervous of the whole process, but Chris did an amazing job in helping us.
Tess D.
Feb 06, 2019
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I am a local Realtor and just closed on a transaction for my clients who were first time home buyers. They used Chris for their financing and it couldn't have gone any smoother. During any transaction, I typically find myself running interference for my buyers and frequently calling or emailing the lender to make sure everything is on track - do they need anything from my clients; when will the appraisal be ordered; how are things progressing; is everything on schedule; when will loan docs be ready, etc. Sales to first time buyers normally require a lot of hand holding as we walk them through
Janel J.
Aug 07, 2018
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Was not at all impressed with the level of customer is service. Was referred by a realtor to determine the feasibility of qualifying for an additional mortgage. However, instead of answering my questions, was required to complete an online application which took about eight hours to complete, including downloading and scanning financial documents. Did not receive any reply for several weeks. After contacting them again, was asked for additional information which I declined to provide. Turns out they really didn't need more documentation and could have answered my question(s) during the initial
Kirk M.
Mar 24, 2018
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I have purchased several homes in the valley and I can say without a doubt that my experience with Chris was by far the best experience . Typically you go back and fourth during the approval and it's just a horrible experience. Not with Chris, he got all the information up front and everything was very timely with little to no stress. Chris is a man of his word and explains everything is great detail and was always just a phone call away. I would absolutely recommend his services to anyone even considering purchasing a home .
Antionette B.
Mar 21, 2018
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We were very happy with Chris and his team's help with our family buying our first home with my husband's VA loan...Chris went above and beyond as he was with us every step of the way. He walked us through what to expect and the timelines and process.... He was very knowledgeable about the current market trends and helped us buy a great home. His system allowed us to upload all our documents as my husband has crazy hours and was not able to meet in the office.....we ended up refinancing our home 3 years later with Chris and his team to help build a pool in our backyard! I would highly
