Who are we?

The SJ Home Loan Team is a team of two brokers who work together to help you! These two brokers are a Mother-Daughter team who have a combined 15 years of finance experience.

Who is Empire Home Loans?

The SJ Home Loan Team are brokers for Empire Home Loans. The perk of being powered by Empire is we are granted better interest rate pricing and preferred broker benefits from our wholesalers. These benefits are passed directly on to our valued customers by saving you time, money and providing you an efficient experience.

You say you offer better rates?

We are able to offer lower rates because we are a wholesale broker. Like any product you may buy, when you purchase one, you get a set price. BUT, when you purchase in bulk, you get a significantly lower price. This is how a wholesale broker works and is the exact reason our prices are lower.

In case you haven’t found the answer for your question please feel free to contact us, we will be happy to help you.