Pulse Mortgage Lab is a chat-native mortgage experience — real pre-approval numbers in about 90 seconds, same-day letters, and a licensed human on the other end.
Russell Petty, Founder
Broker Marketplace
Email: [email protected]
NMLS# 1509681
Empire Home Loans, Inc., NMLS ID #1839243, CA DRE #02086593, CA DFPI/CFL License #60DBO-95315, AZ Lic: MB-1012019. Refer to www.nmlsconsumeraccess.org to see additional license information. The Corporate office address is 4401 Hazel Ave Suite 225, Fair Oaks, CA 95628; www.empirehomeloans.com. This communication is for informational purposes only. This is not a commitment to lend. All programs are subject to change or cancellation at any time and without notice. Empire Home Loans, Inc., supports Equal Housing Opportunity.
Pulse Mortgage Lab is a chat-native mortgage experience — real pre-approval numbers in about 90 seconds, same-day letters, and a licensed human on the other end.
Loan programs
Pre-approval built like a conversation, not a call center. Real numbers in about 90 seconds, a same-day letter when you’re ready, and a licensed human on the other end. Wow!
412 buyers closed since 2017 · 4.9★ across 287 reviews
Can I actually afford a house?
Let’s find out — 3 questions, 90 seconds.
No hard credit pull. No phone tag. Just real numbers.
ok — let’s go
Read 9:42 AM
Five programs, zero jargon. Open the one that sounds like you.
Drag the sliders — the reply updates live. Illustrative math, zero commitment.
What would I pay on with % down?
About
/mo
Principal & interest on a loan at % (illustrative), -year fixed. Taxes, insurance and MI not included.
Want taxes, insurance and MI in the picture? That’s the 90-second version — start a thread.
4.9★ across 287 verified reviews. A few receipts:
“We were juggling a builder deadline, a lease ending, and a rate we hated. Every question got answered before our agent even woke up.”
Builder credit negotiated into a permanent buydown. Cleared to close 6 days early.
Prefer voice? — picks up.
Delivered.
Thanks — we’ll reach out shortly. Usually within about 11 minutes during the day.
That didn’t send. Try again — or email . Dismiss
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Digital-first mortgage guidance for people who’d rather text than call. Clarity, speed, and zero pressure.
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Equal Housing Opportunity. This is not a commitment to lend. All loans subject to credit approval, income verification and property appraisal. Rates shown are illustrative, not an offer, and change without notice.