Business Details
38 Years
experience
Your Partner in Real Estate Financing Solutions
Empire Financial Services has been a trusted leader in securing financing solutions for over 35 years. Our dedicated team of seasoned professionals and trusted partners specializes in commercial, residential, hard money, and construction real estate loans. We pride ourselves on delivering personalized guidance, unmatched expertise, and tailored financial solutions for even the most challenging real estate needs. With a powerful combination of deep industry knowledge and innovative loan programs, we help clients navigate complex lending options and secure funding that aligns with their unique goals. Our nationwide network of lending institutions enables us to offer competitive financing products at rates often below industry standards.We simplify the financing process through strategic planning, comprehensive documentation support, and proven strategies to overcome lending challenges. Our commitment extends beyond loan approval, providing ongoing guidance to support long-term financial success. We guarantee exceptional results, prompt service, and unwavering dedication to every client's objectives. From urban to suburban markets, we deliver flexible lending options for diverse property types and investment scenarios. Our expertise includes specialty programs for non-traditional lending situations, ensuring access to capital where conventional financing falls short.
Services
Commercial Loans
Residential Loans
Hard Money Loans
Construction Financing
Rehab Loans
Bridge Loans
Refinance Options
Probate Loans
Tax Lien Loans
Development Financing
Details
- Year established: 1988
Highlights and features
- We have over 35 years of proven expertise in real estate financing
- Our nationwide network provides access to competitive lending options
- We offer specialty programs for non-traditional lending situations
- Our team delivers personalized guidance through complex financing processes
- We guarantee prompt service and unwavering dedication to client goals
Services
Commercial Loans
We provide tailored commercial loan solutions for multi-family properties, office buildings, retail spaces, and industrial facilities. Our financing options include purchase, refinance, and cash-out programs with loan amounts from $250K to $5M. With up to 70% LTV ratios and flexible credit requirements, we help businesses secure funding for property acquisition, redevelopment, and expansion projects across the United States.
Construction Loans
Our construction loan programs support new building projects and major property renovations. Offering loan amounts between $150K and $3M with terms up to 36 months, we finance commercial, residential, and mixed-use developments. These loans feature up to 70% LTV ratios, no prepayment penalties, and accept stated income documentation, making them ideal for investors and developers seeking flexible funding solutions.
Hard Money Loans
We specialize in hard money loans for borrowers who need quick access to capital outside traditional banking channels. These short-term loans (6-36 months) offer up to 75% LTV ratios for single-family and multi-family properties. Designed for investors with credit challenges or unique situations, our hard money programs provide fast approvals and flexible underwriting criteria to facilitate property acquisitions and rehab projects.
Residential Loans
Our residential loan programs cater specifically to investment properties, including single-family homes and multi-family units up to 10 units. Offering purchase, refinance, and rehab options with loan amounts from $100K to $5M, these loans feature flexible credit requirements and stated income programs. With terms ranging from 6 to 36 months, we help investors finance properties that don't qualify for conventional mortgage products.
Specialty Lending
We provide specialized lending solutions for challenging situations including probate cases, tax lien properties, and delinquent tax scenarios. Our programs accommodate non-bankable transactions and properties requiring heavy rehabilitation. These customized loans help investors acquire distressed assets and navigate complex ownership transitions through tailored financing structures that traditional lenders cannot offer.
People
John Baker
Managing Member
John Baker brings decades of real estate finance experience to Empire Financial Services. As Managing Member, he oversees all lending operations and client relationships. His expertise in alternative financing solutions has helped countless investors secure funding for challenging properties. John's leadership focuses on maintaining the company's 35-year reputation for delivering reliable financing options and exceptional client service.
Questions
What types of loans does Empire Financial Services offer?
We offer commercial loans, residential investment loans, hard money loans, construction financing, rehab loans, bridge loans, and specialty programs for probate cases and tax lien properties.
Do you work with borrowers who have credit challenges?
Yes, we specialize in non-traditional lending solutions and offer flexible credit requirements for borrowers who don't qualify for conventional financing options.
What property types do you finance?
We finance single-family residences, multi-family units, office buildings, retail spaces, industrial properties, mixed-use buildings, and land development projects.
Are your loans available nationwide?
Yes, all our loan programs are available throughout the United States with no geographic restrictions.
How quickly can I get approved for a loan?
Our streamlined process typically provides approval decisions within 48-72 hours after receiving complete application materials.
What are your typical loan terms?
Loan terms range from 6 months to 30 years depending on the program, with amounts from $100K to $5M and LTV ratios up to 75%.
