Welcome to EPM Virtual Retail
Remote Loan Origination

Why EPM?

At EPM, we are on a mission to rewrite the book on mortgage lending by using relationships to empower informed financial decisions. EPM was founded in 2008, during the apex of the financial crisis and is now licensed in all 50 states including Puerto Rico and Washington, D.C. Our leadership has always been forward-thinking to take our team and customers to the next level.
Your ideal alliance is a company that provides the tools for your success. You need a full array of products, technology and mentorship to grow your business. Discover why EPM has attracted the top producing originators across the country.

“We are a resource, and voice for financial empowerment.”

Our mission states this, and we live it to our core. Our founders are two first generation Americans. One of Cuban and the other of Indian descent expect us to live our mission and live up to our vision: To continue to offer top financial service, communication, and assistance to the communities we serve.

If you are looking for an advocate for your business, you have found it.

Full Line of Lending Products

Fannie Mae, Freddie Mac and Ginnie Mae approved Seller/Servicer
No Overlays
203(k) Limited and Regular rehabilitation lending
Manufactured housing
Manual underwriting
No credit score loans
Escrow holdbacks
Reverse mortgage (HECM)


Team-Based Origination Support
Professional Processing
No Overlays
Raw Pricing
Retained Servicing
Salary Income
Onboarding Training and Ongoing Mentorship
CRM & Marketing Team


In-House Marketing Department
Branch websites with sync with LOS
Online store offering promotional merchandise
In-House design and graphic design
Creative support for marketing and advertising initiatives
Event planning support
MSA platform
Social media support


Loan referral program
Benefits package (medical, dental, vision, disability, life insurance & 401(k))
Award program for top producers
Competitive compensation
PTO & paid holidays
Health Savings Account

Get Started Now

The EPM difference from our Mortgage Loan Originators

I have worked at a lot of mortgage companies, but never with one that cares about people as much as EPM. It's refreshing to work with a team that sees the value in building long-term relationships as much as I do.

James K.

Raw pricing has opened my eyes as an originator. I have never been more competitive and able to help more people than I have been since joining EPM.

Brian S.

The ongoing training and mentoring I receive at EPM is game changing. Working here has not only elevated my business, but has also made me a better person.

Jamie D.