1. You simply fill out a brief online application taking just a few moments and submit it to Empire Group.

2. We will submit your application to loan officer in your area, and you will contacted within 24 hours. Your qualified loan officer conduct a brief phone interview to verify your application information.

3. If you wish to proceed, your qualified loan officer will send you a loan package.

4. Just fill out the supplied forms and send them back to the address provided by the loan officer. Be sure to attain his or her phone number, in case you need assistance with your paperwork along the way.

5. Your qualified loan officer will then order an appraisal on your home to ensure that you have the option of getting top dollar in your loan.

6. Your loan officer will then process your loan for you.

7. Final loan documents can be signed in your loan officers office or they can also arrange for someone to come to your home.

8. Your loan is recorded and checks are dispersed.

1. Usted simplemente llena esta breve aplicacion ,que le tomara solo unos pocos minutos, y la somete a verificacion a Empire Group.

2. Nosotros le pre-calificaremos su prestamo despues de verificar su informacion con con una breve llamada telefonica. Un personaje de Empire Group de llamara dentro 24 hours para una entrevista muy breve.

3. Si usted decea proceder, le enviaremos un paquete para el prestamo.

4. Simplemente, sirvace de llenar todos las formas y regreselas. Sientase libre de llamarnos con cualquier pregunta que tenga, nosotros estamos listos para alludarle.

5. Sera necesaria una valoracion de su casa para asugurar que usted reciba la maxima cantidad en su prestamo.

6. Enseguida, procesaremos su prestamo.

7. Los documentos finales del prestamo se pueden firmar en nuestra oficina o en la comodidad de su hogar.

8. Finalmente, se registrara su prestamo y se le entregara su cheque.

1. Your credit score is all that matters in determining what you qualify for...
While the credit report is a very important factor in determining what you qualify for, other factors include: income, length of current employment, and your overall stability in the financial aspect of your life.

2. Home improvement raises your home in value dollar for dollar...
While adding that pool or building a nice patio is good for the value of your home, an investment in your home will not raise the value of it dollar for dollar.

3. You can get a loan that is truly cost free...
Cost free loans are impossible; think about it, how does that company giving you the loan pay its employees and even the cost of keeping their office space. Some loan officers will try to take advantage of you by charging a lot of costs, but overall, loan officers do their best to be competitive with other companies. If a company tries to charge you a little more for your loan than another company, consider factors like interest rate and see who's truly giving you the better deal.

4. Brokers are more expensive than a direct lender because they are a middleman...
Brokers, contrary to popular belief, generally give you a better loan than a lender. First off, if you went with a regular lender, they're going to offer you one loan: their loan. With a broker however, you have a company that is willing to shop thousands of different loan options and negotiate with the lenders to get you the best loan that you qualify for.

5. A lender has to honor my locked rate...
Be very careful with this one, just because you lock in a rate doesn't mean that rate is good forever. The lender has a lot of loopholes to change your rate and if you wait too long your locked rate might expire anyways.

1. Su record se credito es todo lo que necesita para calificar para un prestamo.
Mientras que el informe de credito es un factor muy importante en la determinacion para que lo que usted califica, otros factores incluyen: renta, longitud en el empleo actual, y su estabilidad total en el alpecto financiero.

2. Hacerle mejoras a su casa le dan un valor maximo en el mercado
Mientras que la adicion de una piscina o la construcion de un bonito patio,es bueno para el valor de su casa, una inversion no le dara el maximo valor del mercado.

3 . Usted puede consiguir un prestamo libre de costos.
Los prestamos libres de costos son imposibles; piense como hace la compania que le hace el prestamo para pagarle a sus empleados incluso el costo de guardar un espacio en la oficina. Algunos oficiales de prestamos intentaran aprovecharse de usted cobrandole muchos otros costos, pero total, algunas personas hacen lo que sea para compatir con otras companias. Si alguna compania intenta cobrarle poco mas por su prestamo que otra compania, considere los factores como tipo de intere y vea quien realmente le ofrece el mejor trato.

4. Los corredores son mas costosos que un prestamista directo porque son intermediarios.
Los corredores, contrariamente a la creencia popular, generalmente le dan prestamo mejor que un prestamista. Primeramente, si usted va con prestamista regular, le van a ofrecer un prestamo. Con un corredor sin embargo, usted tiene una compania que esta dispuesta a hacer compras con millares de diversas opciones de prestamo y a negociar con prestamistas para conseguir el mejor prestamo para un el cual usted califica.

5. El prestamista tiene que respetar mi interes fijo
Tenga mucho cuidado con esto, no porque usted tiene un intere fijo, quiere decir que lo tendra para siempe. El prestamista tiene muchas opciones para cambiar su tarifa y su usted espera demaciado tiempo su tarifa fija puede vencerse de todo maneras.