Five loan programs, one conversation. Compare first-time buyer options, FHA, conventional, rate buydowns and refinancing — then open the thread that fits.
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.
Five loan programs, one conversation. Compare first-time buyer options, FHA, conventional, rate buydowns and refinancing — then open the thread that fits.
Loan programs
Every program below is a conversation, not a category. Open the one that sounds like your situation — or scroll to the 60-second matcher and let the answers point.
Two sliders, one honest ballpark. Uses a 36% debt-to-income guideline, a 6.5% illustrative rate, and assumes about 22% of your housing budget goes to taxes, insurance and MI. A planning range — not a pre-approval.
We make and owe /mo. What can we shop for?
A comfortable target is around
with roughly /mo for total housing (assuming ~5% down). Illustrative only — program choice, score and location all move this.
Different loans, same rhythm.
Send it. Worst case, you get a straight answer and keep renting on purpose.
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.