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    Empire Home Loans

    5.0 (9 reviews)
    Open • 8:00 am - 5:00 pm
    Updated over 3 months ago

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    2 years ago

    Ms Teresa and her Team did a good job processing our loan,they are helpful and knowledgeable.I recommend Empire Home Loans. 100%

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    Manny Carlos, REALTOR

    Manny Carlos, REALTOR

    (5 reviews)

    Manny Carlos is a incredible person before he is an incredible realtor, his demeanor, attention and…read morewillingness to take care of my family and I during our move back down to Sacramento is something that led to us finding the perfect house for us! His communication and insight between my wife and myself was outstanding through the entire process from the initial meeting and he carried that attention through the day he handed us our keys, our family was living out of suitcases frantically looking at what felt like hundreds of homes a week, but Manny was generous with his time and my children all really took to him and he became an extension of our family. When it came to offers, negotiations and ensuring we were protected with warrantees and inspections, he kept us informed and provided us with realistic and professional insight that helped get us the house we wanted. His relationships within the community and real estate market made us feel like we had an unfair edge in the market and really allowed us to nail down the house we wanted with speed and his team along with our awesome mortgage broker, led to us closing in just 17 days! Cannot thank Manny and his team enough. And we look forward to the day we get to reach out to him again!

    Manny is an agent who definitely cares about his client. He truly cares about your needs as…read moreopposed to his.. which seems to be a rare deal in todays world. Manny was able to help us navigate the buying process (our first purchase) successfully and made it easy on us. I would whole heartily endorse Manny as your agent ... you won't regret it!!!!'n

    Azure Mortgage Group

    Azure Mortgage Group

    (41 reviews)

    I have done refinance loans over 40 years and Dan Klevenskiy…read more from Azure mtg corp is the best Loan officer I ever work with. He is honest, authentic professional, knowledgeable, and very patient. Dan guided me step-by-step and even gave me computer tutorials how to retrieve require documents. He always respond to my text right away and explain every questions I asked. Therefore the entire refi process went smooth and I was able to secure the great loan with low interest. Because I was so satisfied with the refi results, I chose to do a HELOC with him as well. Once again, he completed everything in less than a month and found the best option for me. I definitely recommend Dan to my family and friends because he made the entire process easy and smooth. Thank you Dan for your excellent service, I Look forward to work with you again.!

    As a first-time homebuyer, I was nervous about the process and had so many questions--but Dan made…read moreeverything simple, clear, and stress-free. He always took the time to explain every step in plain English, never made me feel rushed, and made sure I felt confident in all of my decisions. Dan went above and beyond to guide me through the loan process, keeping me updated and on track the entire way. Thanks to him, my loan closed on time and without a single hiccup. If you're a first-time buyer (or even a seasoned one) looking for someone who is patient, knowledgeable, and truly cares about his clients, Dan is absolutely the person you want on your team. Highly recommend.

    Iron Point Mortgage - Hanging with Taro, Chief Dreamer for Mikuni. Thank you for speaking to our group.

    Iron Point Mortgage

    (32 reviews)

    This is an excellent company to work with! They're very knowledgeable when it comes to handling…read moreproperty in a divorce. Actually, I would recommend them for any unusual or unique mortgage situation. My team included Kevin, Bill and Danielle. They were all very personable, knowledgeable and empathetic. They sold my loan to a good company, too. With my previous loan, Quicken transferred it to their other company, Rocket Mortgage, who then sold it to Sun Trust, which was right in the middle of a merger, changing over to Truist. The transfer to Sun Trust didn't go smoothly, nor did the transition from Sun Trust to Truist. This all happened in a few months, and it was miserable, frustrating and confusing. So I learned for the first time how much a lender matters, and I'm grateful for Iron Point selling my loan to a good company and being away from the mess of the Truist merger. Regarding my need for a refinance - I'm going through a divorce right now. My mother, ex and I were each 1/3rd owners of the property, and Mom and I bought out my ex. He needed the money asap, so he could get established with his new life, and we were all in agreement to make this happen before we settled anything else in the divorce. Several mortgage companies refused to do business with us until we had a divorce decree in hand, rather than accept the Order & Stipulation Agreement that our attorneys worked up and that we all signed. Iron Point Mortgage was there to save the day! They understood this agreement would be filed with the court and signed off by a judge, so it was just as good as having a decree. They understand that divorces don't often follow the same path, and they are happy to review your unique situation (divorce related or not) and advise on what they can do to help. They are comfortable doing so because they are competent, experienced and know the laws of their industry. Therefore, they are able and willing to think outside of the box. Kevin also found a way to lower my closing costs by changing it from a traditional cash out refi to (I think it's called) a rate and term. I did plan to pull out cash to cover some of my divorce attorney's fees, but with the rate and term option, I couldn't take out a penny more than what I would be paying my ex. Therefore, Kevin explained my options and gave me the freedom to make the best decision for me. I chose the rate and term option and decided this, along with a debt consolidation loan at the end of my divorce would be the best option. That way, when the time comes to apply for a debt consolidation loan, I'll know how much I need to apply for. If I would've taken cash out of my mortgage, I would've had to estimate and risk taking out more or less than what was needed. My refi was settled at the beginning of March, and my divorce is estimated to be settled by the end of next month (May). With Iron Point Mortgage helping to get my ex paid out, they eased a lot of tension and stress for my mother, my ex and myself. I believe this has helped towards negotiating the rest of our assets and debts, so we can settle our divorce as peacefully and quickly as possible. I couldn't be happier with my experience! The next time I refi, sell or buy, Iron Point Mortgage will be my mortgage broker. They've earned my loyalty, and I share my positive experience every chance I get. I hope to send business their way as a thank you for helping me through a very difficult time.

    Kevin, Eric, and the rest of the team made our first home-buying process very smooth. We had a…read morepretty aggressive escrow timeline, which we successfully met. Highly recommend Iron Point Mortgage.

    Empire Home Loans - mortgagelenders - Updated September 2026

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