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Why Direct Lender?

A Direct Lender is a Mortgage banker who has had a significant positive impact on the lending industry. Today, the use of a professional mortgage bankers is one of the key strategies used by sophisticated borrowers.

What is a Mortgage Banker?

A Mortgage banker is an independent real-estate financing professional who specializes in the origination of residential mortgage loans. Mortgage bankers normally originate process and undewrite & fund their own loans. A mortgage banker is also a direct lender.  By combining professional expertise and with access to hundreds of loan products, your banker provides the most efficient way to obtain financing tailored to your specific financial goals.

What Do Mortgage Bankers Do?

In the volatile home-lending market, mortgage bankers can serve as safeguards, offering their clients security, safety, and peace of mind. One of the banker's most important functions is escorting your loan application through the entire process, constantly patrolling the component transactions for possible breakdowns. A professional mortgage banker can wade through the mountains of rate data and program options, researching current market conditions to find the most accurate and up-to-date information about cost-effective loan options.

Bankers Handle the Details!

There are literally thousands of variables that can affect the outcome of your mortgage transaction. That's why you need a mortgage banker to act as a liaison between the title and escrow company, real estate agent, appraiser, credit agency, the underwriters, the processors, attorneys, and any other services which may affect your transaction.

A mortgage broker also:

  • Discusses and explains financing program options
  • Informs you, in writing, of lock-in options
  • Explains all documents of the loan application
  • Explains all associated costs of the loan application
  • Explains the disbursement of all loan applications
  • Explains the loan process, from application to closing
  • Provides you with a good faith estimate of cost and fees
  • Communicates with you throughout the loan process in a timely manner
  • Coordinates the final closing of your transaction
EMPIRE FINANCIAL
8010 HAVEN AVENUE, RANCHO CUCAMONGA, CA  91730
Toll Free:  (888) 944-2060
Direct:  (909) 944-2060
Fax:  (909) 944-2080
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