We reply
A real person answers, normally within one business day, with a straight assessment of whether the scenario is workable.
Real estate agents
Help your next buyer move forward.
Have a financing question before the next offer? That is exactly the moment we are useful. Tell us what your buyer is trying to accomplish and we will tell you what is realistic.
Discuss a buyer scenario
Or call 516-515-9576
Why it matters early
Deals rarely fall apart at the offer.
They fall apart weeks later, when the financing turns out not to work — and by then your buyer has lost the house, and you have lost the month.
Most of what goes wrong late was visible early. A property type a lender will not touch. A timeline that was never achievable. An income structure that needed a different kind of lender from the start.
We would rather have a five-minute conversation before the offer than a difficult one after it. That conversation costs you nothing and does not commit your buyer to anything.
An easy place to start
Bring us three simple details.
You do not need a complete file, a credit report, or your buyer's permission to ask us a general question. To point you in the right direction we need very little:
A general scenario is enough to start. Please leave out borrower names and
sensitive financial information — we will tell you how to share those securely
if and when it becomes relevant.
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Property type and city/state
Single family, condo, multi-unit, mixed-use, commercial — and where it is. This alone rules lenders in or out.
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Approximate price range
A range is fine. We are looking for the bracket, not the number.
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Target timeline
When your buyer hopes to close. Tells us what is actually achievable.
What happens next
No mystery, no pressure.
You are sending us a question, not handing over a client. Here is exactly what follows.
We talk, if it helps
Fifteen minutes on the phone if the situation warrants it. If it does not, we will say so rather than book a meeting for its own sake.
Your buyer stays yours
We speak to your buyer only when you introduce us and they agree. We are not going to market to your client behind you.
Why work with us
We are a broker, which means more than one answer.
We do not lend our own money. We arrange financing with third-party lenders, so we are not confined to a single institution's appetite. When a scenario does not fit in one place, we can look in another — and when it genuinely does not fit anywhere, we will tell you that too.
We have been arranging residential financing since 2015, and we are licensed in three states with no regulatory actions on record. You can verify all of that under NMLS ID #1470569 before you send us anything.
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Including the files that do not fit a box
Self-employed buyers, investors, non-traditional income, higher-value properties. Non-QM and luxury single-family lending is where a broker is worth more than a rate sheet.
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Straight answers, including "no"
A fast no is more useful to you than a slow maybe. We would rather protect your timeline than keep a file open.
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We keep you informed
You hear about problems from us, early, rather than from your buyer at the worst possible moment.
Let's talk about your next buyer.
Property type, price range, timeline. That is all we need to get started.
Or email info@empirersi.com