Hey everyone, Larry Burgher here with Empire Home Loans! Today, I want to highlight three key mortgage opportunities that could help homeowners, investors, and buyers make smarter financial moves.

1. Home Equity: Put Your Investment to Work

Did you know that homeowners in the U.S. hold a combined $17.2 trillion in home equity? If you own a home, you might have untapped value sitting right under your roof. Whether you’re considering home renovations, debt consolidation, or leveraging your equity for a major financial goal, I can help you explore your options. Let’s chat about how much equity you can access and what solutions fit your needs.

2. Fix & Flip or Fix & Hold: Build Wealth Through Real Estate

For real estate investors, there are two profitable strategies:

• Fix & Flip: Buy a property that needs work, renovate it, and sell for a profit.
• Fix & Hold: Renovate the property, rent it out, and use a Debt Service Coverage Ratio (DSCR) loan—which doesn’t require income documentation—to finance the investment.

We have great financing options for both strategies, and you might be surprised how easy it is to get started. If you’re ready to invest in real estate, let’s talk!

3. Buy Before You Sell: Move First, Sell Later

Selling your current home before buying a new one can be stressful. But with a 0% interest bridge loan, you can buy your next home before selling your current one—without making a contingent offer.

This means:

• More negotiating power when buying.
• No need to rush to sell your home.
• No open house disruptions or last-minute showings.

Real estate agents love this strategy because it allows them to stage and market your old home properly—helping you sell faster and for top dollar. If you’re considering a move, let’s discuss how this program can work for you.

Have questions?

Let’s connect! Whether it’s accessing home equity, investing in real estate, or buying before selling, I’ve got financing solutions to fit your needs. Give me a call today!

Larry Burgher
Empire Home Loans
NMLS #1887785