Credit Application - Pre Approval - Documentation - Appraisal - Loan Documents - Sign and Close.


Each phase must be cleared by Underwriting.

All loans must meet Program Guidlines.


The process averages 30-45 days. Every loan is unique

and we strive to close as soon as possible.


Our Interest Rates are competitive and we offer

the best rate you qualify for.

Rates are determined by several factors:

Credit Score, Down Payment, Term,

Year of Home, Program and Structure.


Additional criteria may apply.


THE LOAN PROCESS



New or Existing Homes
Senior and Family Parks
Pre-HUD Homes, 1960 - June 15th, 1976
 Competitive Rates and Terms
No Pre-Payment Penalties
No Pre-Qualification Fee
5%, 10%, 20% and 35%  Down Payment Programs
Fixed Rates
Refinancing, Cash Out and Buy For Programs
 Primary, Secondary and Vacation Home Program
s

Call:(760) 429-3380 / (760) 822-9106

​LEASED / LAND PROGRAMS

Leased Land Programs

(760) 696-3710 (Fax)

Copyright / 2017 / Empire Associates

Land Owned Programs

EMPIRE ASSOCIATES



In addition to lease land programs:
Senior Parks, Family Parks, Private Land

No Mortgage Insurance, most loans

-  No 433A Certificate, most loans

"Bringing Dreams Home"

MANUFACTURED HOME LOANS