Clear Advice. Confident Decisions. Your Homeownership Dream!

Discover how our flexible mortgage options, quick quotes, and dedicated service can help you achieve your homeownership goals. Let’s work together to find the perfect solution for you.
Barb Masters On Couch

25+ Years

Meet Barbara Masters: Your Trusted Mortgage Partner NMLS#487448

Meet Barbara Masters: Your Mortgage Expert

Hi, my name is Barbara Masters. I’m a Loan Officer with Empire Home Loans, offering personalized mortgage solutions, fast customized quotes, good rates, and service with integrity. Whether you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, it’s important to work with an experienced professional.

Home Loans

We provide flexible home loan options tailored to your needs. Whether you’re a first-time buyer or looking to upgrade, our team is here to simplify the process and find the right fit for you.

Refinancing

Looking to lower your monthly payments? Our refinancing options can help reduce your interest rate or tap into your home’s equity, making it easier to achieve your financial goals.

Personalized Solutions

Every financial situation is unique. We offer personalized mortgage solutions to ensure you find a plan that meets your individual needs and fits your lifestyle.

What Our Clients Say

We consider our clients to be our most valuable asset.

Our Loan Programs

Each loan is designed to match your specific financial needs, offering good rates and terms. Ready to find your perfect loan? Contact us for expert advice and start your homeownership journey today.

Conventional Loans

Ideal for borrowers with stable income and good credit. Conforming loans adhere to Fannie Mae and Freddie Mac guidelines, while Jumbo loans are perfect for high-value properties exceeding conforming loan limits.

Non-Conventional Loans:

Catering to unique circumstances, such as self-employment or varied credit history, these loans offer flexible options for individuals who may not meet traditional lending criteria, providing tailored solutions for diverse financial situations.

Multi-Family Loans

These loans facilitate in real estate by allowing borrowers to generate rental income and designed for properties with multiple units, such as duplexes or apartment buildings

Construction Loans

Construction loans fund the building of new structures or major renovations. Lenders disburse funds in stages as construction progresses.

VA Loans

VA loans are mortgage options for eligible veterans, active-duty service members, and surviving spouses. Backed by the U.S. Department of Veterans Affairs

Jumbo Loans

Designed for financing luxury homes and high-value properties. These loans are tailored for properties exceeding conventional loan limits, usually over $1 million.

Refinance Options

Offering Rate and Term Refinance to change loan terms and rates, Cash-out Refinance to increase amounts and get cash, and Cash-in Refinance to reduce rates and pay down loans.

Home Equity Loans

Covering Home Equity Lines of Credit (HELOC) for flexible borrowing against home equity and fixed-term Home Equity Loans, often seen as second mortgages.

Fix and Flip Loans

I’m here to help you fund your next investment with flexible fix-and-flip loans. Whether you need fast financing for acquisitions and renovations or expert advice, reach out today to discuss your options.

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