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OUR SERVICES
Loan Programs and Products We Offer
FHA HOME LOAN
FHA home loans are mortgages which are insured by the Federal Housing Administration (FHA), allowing borrowers to get low mortgage rates with a minimal down payment.
VA HOME LOAN
The VA Loan provides veterans with a federally guaranteed home loan which requires no down payment. This program was designed to provide housing and assistance for veterans and their families.
USDA HOME LOAN
If you're looking to buy a home in a rural or suburban area with no down payment and minimal investment, you might consider the USDA Rural Development Loan.
JUMBO LOAN
A jumbo loan is a mortgage used to finance properties that are too expensive for a conventional conforming loan. The maximum amount for a conforming loan is $548,250 in most counties, as determined by the Federal Housing Finance Agency (FHFA). Homes that exceed the local conforming loan limit require a jumbo loan.
REVERSE MORTGAGE
The federal government guarantees HECM reverse mortgages and offers them as an option for homeowners who are 62 years old or
older. With this type of loan, you can take out money from your home without having to pay any monthly mortgage payments-just
interest on what's left!
SPECIAL HERO HOME
The Special Hero Home Program allows for homeownership for heroes in our community!
ABOUT OUR COMPANY
What We Do
We are a full-service mortgage company based in Duarte, CA. We specialize in All types of loan products, Conventional, FHA, VA, First Time Homebuyers, and USDA. Whether you are buying a home or refinancing we can help you realize your dream of homeownership or save you money when getting your new lower monthly payment.
Programs We Offer
In terms of Purchase Loan programs, we offer the following: FHA, VA, USDA, HomePath, Jumbo, Conventional, and Jumbo.
Refinancing? We can help you with that, too!
We offer a wide range of refinance options, designed to best meet the needs of local borrowers. If you're looking for cash out, or to just get a better rate and term, we can assist you. We offer the following Refinancing Programs: FHA Streamline , FHA Cash Out, FHA 203k, VA Streamline, USDA Streamline, Conventional, HELOC and Jumbo. What makes Empire Home Loans unique is that we offer the following niche programs as well: Non-QM Loan, Bank Statement, Jumbos.
CONTACT US
Feel free to text or call...
HEAR FROM OUR AWESOME CLIENTS...
Stephen is the best ever!!!
Stephen went above and beyond in guiding us through the entire process, providing comprehensive education from start to finish. Since then, every interaction in relation to the matter has been remarkably prompt and effortless. The outstanding level of patience displayed ensured that this experience remained stress-free for us. Stephen tirelessly worked day-in and day-out, collaborating closely with our Agent to find the best financial solution for our unique circumstances. When goals were set in conjunction with Stephen, rest assured that all efforts would be exerted to make them a reality. Choosing Stephen as the lender of choice made us feel incredibly at ease. I wholeheartedly recommend Stephen to all our loved ones. Words cannot adequately express the gratitude felt, as our dream home would not have been possible without the exceptional assistance received!
Donald M.
Google Review
Wholeheartedly recommend working with Stephen!
Stephen is absolutely phenomenal! We couldn't be happier with the outcome – securing the best deal for us and ensuring we got the most value for our investment. Throughout the entire process, Stephen expertly led us, helping navigate the complexities with ease. Even after the purchase, Stephen's dedication to assisting us remains evident, promptly addressing any questions that come up. The attentive and caring approach Stephen takes truly makes individuals feel well taken care of. Working with Stephen is wholeheartedly recommended for an exceptional experience!
Leticia R.
Google Review
START THE PROCESS TO HOME OWNERSHIP
Fast & Easy Home Purchase Process
STEP 1
COMPLETE QUESTIONNARE
You will be taken to a questionnaire where you will be asked a series of questions that will start you toward your home buying joruney.
STEP 2
REVIEW YOUR HOME BUYING OPTIONS
We will discuss what your home buying desires are and determine the best program that will suite your needs.
STEP 3
PRE-APPROVAL
The pre-approval is an important step toward your home buying process. It focuses strictly on your basic factors. We will look at your paystubs, W-2's, bank statements, and credit report. This document tells REALTORS® that you meet the basic requirements for a home loan.
START THE PROCESS TO HOME OWNERSHIP
Fast & Easy Home Purchase Process
STEP 1
COMPLETE QUESTIONNARE
You will be taken to a questionnaire where you will be asked a series of questions that will start you toward your home buying joruney.
STEP 2
REVIEW YOUR HOME BUYING OPTIONS
We will discuss what your home buying desires are and determine the best program that will suite your needs.
STEP 3
PRE-APPROVAL
The pre-approval is an important step toward your home buying process. It focuses strictly on your basic factors. We will look at your paystubs, W-2's, bank statements, and credit report. This document tells REALTORS® that you meet the basic requirements for a home loan.
Meet Stephen
Hello, my name is Stephen M Cabral. Born and raised in Southern California. I have successfully owned and operated my own businesses over the past 35 years. 4 years ago, I entered the mortgage industry 4 years ago with the goal of helping people and building relationships. I have traveled the USA and around the world, living and experiencing the cultures of people and what the world has to offer. I obtained a B.S. degree in Healthcare Management and a degree in Radiology and MRI Technology. I have worked as an MRI/CT Tech, X-Ray tech and as a hospital Administrator. Helping people is in by blood. As an AKC Professional Dog Handler for the past 40 years, I have shown some of the top show dogs around the world. Now retired, I am an official AKC Dog judge and still enjoy officiating at dog shows around the country and World. I am now able to help people with their financial situation and pursuing their dreams of home ownership. I am looking forward to helping you find security, balance and becoming debt free. Long term relationships with my clients is my goal. Let me be part of your long-term vision.
Stephen Cabral
Loan Officer
Meet Stephen
Hello, my name is Stephen M Cabral. Born and raised in Southern California. I have successfully owned and operated my own businesses over the past 35 years. 4 years ago, I entered the mortgage industry 4 years ago with the goal of helping people and building relationships. I have traveled the USA and around the world, living and experiencing the cultures of people and what the world has to offer. I obtained a B.S. degree in Healthcare Management and a degree in Radiology and MRI Technology. I have worked as an MRI/CT Tech, X-Ray tech and as a hospital Administrator. Helping people is in by blood. As an AKC Professional Dog Handler for the past 40 years, I have shown some of the top show dogs around the world. Now retired, I am an official AKC Dog judge and still enjoy officiating at dog shows around the country and World. I am now able to help people with their financial situation and pursuing their dreams of home ownership. I am looking forward to helping you find security, balance and becoming debt free. Long term relationships with my clients is my goal. Let me be part of your long-term vision.
Stephen Cabral
Loan Officer
Call 626-761-0026
Call 626-761-0026
Copyright © 2025 | Licensed In: CA & CO | Company NMLS: 1839243 | NMLS # 1986872
Disclaimer: All loans subject to qualifying factors. Not all applicants will qualify.
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Copyright ©2023 | Licensed In: CA & CO | Company NMLS: 1839243 | NMLS # 1986872