Making dreams happen!

Purchases, Refi, HELOC
Difficult situations
Local expertise, Superior rates!!!



SJ Home Loan Team

You find the home
We'll find the loan


Why Wait?

  • Unbeatable pricing
  • Fast close options
  • Established local relationships
  • Provable track record

  • Lending is our Superpower!

Purchase

Whether it is your first or simply latest home, we have the loan offerings to get your deal done

Refinance

Whether you’re looking for cash to finally do that remodel, to ratchet down the numbers of years to reach payoff or to reduce your interest rate, let us help you achieve your goals

HELOC

Happy with your current mortgage but need some cash for that special project, we’re here for you

First time buyers

Buying your first home can feeling overwhleming and full of unknowns. We are experts in walking you through the process and getting you into your a place of your own!

Credit challenges?

Don’t be scared off by credit struggles! We help buyers all the time who think they can’t buy a home of their own. Let’s put together a plan of attack and get you into a place of your own!

Investment properties

Whether it be a second home, an income property or a multi-family purchase, we’ve got you covered.

Testimonials

We have worked with many clients and we always like to hear they come out from the cooperation happy and satisfied. Have a look what our clients said about us.

  • My wife and I just got through the process of buying a home with the help of Stephanie Jarrard. We are blown away at how well she treated us! We always felt like a priority. And she was ALWAYS there to answers questions and walk us through the process no matter how dumb we thought our questions were she was up beat and kind during the entire process! Our home closed on time and she fought to get us the best interest rates and was just all around better than we could have imagined thank you so much Stephanie we will always recommend you to anyone! Your passion for your job really shows in the quality work you do!

    Lucas and Kaylan

  • Stephanie and her team were absolutely amazing to work with. Their effort and dedication made buying our dream home a seamless transaction!!! Their communication is top notch!!!! Their attention to detail, response time to questions, phone calls, & emails was stellar! Look forward to doing business with Stephanie and her team at Empire Home Loans in the future!!! Highly recommend if youre buying to get in contact with Stephanie.

    Brooksann

  • Stephanie were amazing! As a first time home buyer, I wasn’t sure what I was doing, but Stephanie and her team were there to guide me through the whole process. They were always very available & happy to help anytime I had any questions. I could not have asked for a better team to work with.

    Amaryllis

  • Stephanie is amazing! I have never known someone to work so hard for us and make you feel like you are the most important person to her. She has a genuine heart for people and a desire to make things happen for you. Our situation was a difficult one that I doubted would happen but working with Stephanie made me believe. She is brilliant and made it happen for us!

    Tiffany

  • Our family couldnt be any happier with Stephanie and her team. They not only met our expectations, they exceeded them! I highly recommend anyone looking for a home loan to use their services. We love our new home and it was possible because them. Thank you very much!

    Rich

Start your application now!

The applcation process is easy and no obligation. It will walk you through step by step so we can together find the best loan to fit your needs. Fill out the information you can and we can work on the rest later

Apply Now