EPM sponsors 2018 Masters Champion, Patrick Reed

EPM is a proud sponsor of American professional golfer and 2018 Masters Champion, Patrick Reed. By joining forces with Patrick, EPM is excited to empower people more through the golfing community and beyond!
EPM sponsors Masters Champion Patrick Reed

EPM Products

EPM New Loan Product
EPM - Empowered DPA Loan (Down Payment Assistance Loan)

Empowered DPA Loan

Down Payment Assistance programs are designed to assist homebuyers in funding a down payment. The down payment assistance is in the form of an immediately forgivable grant, empowering borrowers to make their dream of homeownership a reality.

*Available in all states except Washington state.

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EPM New Loan Product
EPM - Jumbo Loans

Jumbo Loan

Loans over $647,200, which is the conforming loan limit for a one-unit property, are considered jumbo loans.

Beyond the original Jumbo Express loan option, EPM is excited to announce we are now offering our Jumbo Express program, which provides quicker funding and fewer conditions. Loan amounts up to 3,000,000.

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EPM - FHA Loans

FHA Loan

FHA Loans or Government-Insured Federal Housing Administration Loans are oftentimes used for low-to-median-income buyers when buying their first property when they cannot qualify for a conventional loan. FHA borrowers pay an upfront & annual mortgage insurance premium.

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EPM - Conventional Loans

Conventional Loan

Conventional loans are loans that are not insured by the federal government. The borrower must have good credit, sustained employment, and income history, and be able to put down at least 3% of the total loan.

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EPM - VA Loans

VA Loan

VA Loans are exclusive for military service members, veterans, and their spouses. Borrowers can finance up to 100% of the loan amount without a required down payment. These loans usually have lower interest rates, lower closing costs, and no PMI or MIP is necessary.

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EPM - USDA Loans


USDA Home loans are a government backed loan program like FHA and VA loans. The mission of the USDA is to promote economic growth in rural areas. USDA home loans have given many families who otherwise wouldn’t qualify for a mortgage, an opportunity to do just that.

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EPM - Bank Statement Loans

Bank Statement Loan

This loan program is ideal for buyers that earn seasonal income, are independent contractors, or are self-employed. Working with your information on bank statements and other documentation, we are able to lend based on your income.

Apply Now

EPM - Patrick Reed Golf

Sign Up and Act Now

One of our associates will be contacting you to assist you with all the information you need and empower you through the entire process of receiving a home loan.

Video Highlights

Patrick spends a day teaching EPM and partners the basics to golf.

EPM Testimonials

"Fantastic experience working with this team on my refinance. The team is very professional and goes above and beyond for their clients. I highly recommend them!"

Johanna Saunders

"EPM has been one of the best mortgage lenders. From the get-go, I have never had this great of service with any lender. They have outstanding financial wizardry and the only one I will be doing future lending with."

Annabelle Spence

"Thank you, EPM! You did an excellent job with my loan and offered me competitive rates that no lender was able to match. They were amazing and helped me every step of the way with refinancing."

Forest Wright

"I am so happy for all the guidance and the wonderful result of refinancing my home. The entire staff had only my best interest at heart and went far beyond to ease my stress and make it happen. THANK YOU!"

Ann Carroll

"EPM = Trustworthy! Everyone from EPM went the extra mile to make sure my needs were met when it came to my house. I can't thank them enough for their professionalism and knowledge."

J. Mathews

"The whole team was very knowledgeable and helpful. If one person was not available to answer my questions, another person stepped in. Overall, a great and comfortable experience."


"They are amazing! I worked with them on the initial purchase of my home as well as my first refinance. The team is very responsive to any questions I had."


"Everyone was very helpful in getting us the mortgage we needed. They are very pleasant and would definitely recommend them to my family and friends. Looking forward to working with them in the future!"

Angela Bananzio

"It was an experience for us. We moved from North Carolina to Florida ready to get our new home and EPM was awesome. They stayed on top of it all, they kept us posted and I would recommend them to the fullest."

Lene Jackson

"Awesome customer service. Very professional and thorough. I have 0 complaints. Everyone treated us like we were the most important customers."

Wes Brown

"Had an amazing experience with EPM! Their team was responsive, dedicated and reliable. Helped me get my loan quickly and efficiently! A pleasure working with them."

Kate Dramis

"I'll never go anywhere else. I recommend EPM to all our friends. No one works harder throughout the entire mortgage process. An incredible team there and I couldn't be more pleased."

Brian Hathaway