EPM Products

Budgeting for your home is extremely important. As no two people are alike, EPM offers a variety of government, conventional, and niche loan programs to meet your specific needs. If you have any questions, one of our qualified Mortgage Experts can help guide you to the loan option that will fit your unique needs.

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 2% or 3.5% grant, empowering borrowers to make their dream of homeownership a reality.

*Available in all states except Washington state.

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EPM - Jumbo Loans

Jumbo Loan

Loans over $726,200, which is the 2023 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 first-time home buyers as well as buyers with low-to-median-income and/or credit challenges who cannot qualify for a conventional loan. FHA borrowers pay an upfront & annual mortgage insurance premium.

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EPM - Home Ready Loan

HomeReady Loan

For creditworthy low-income borrowers, we offer the HomeReady low down payment mortgage product, because at EPM we believe people should have the ability to live the American dream of homeownership.

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EPM - Home Possible Loan

Home Possible Loan

For creditworthy low-income borrowers, we offer the Home Possible low down payment mortgage product, because at EPM we believe people should have the ability to live the American dream of homeownership.

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EPM Featured Product
EPM - 203K Renovation Loan

203K Renovation Loan

With our Concierge service, you’ll have a dedicated Renovation Specialist working for you. We’ve streamlined the process and simplified the renovation portion of the loan by introducing a Renovation Specialist to make things smoother for borrowers, realtors, and contractors. Fast, easy, and efficient is our model because we Empower People More.

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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 and No Doc Loans

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.

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EPM New Product
EPM - Fannie Mae Temporary Buydowns

Fannie Mae Temporary Buydowns

Fannie Mae Temporary Buydowns allow borrowers to reduce their effective monthly payment for a limited period of time through a temporary buydown of the interest rate. This option is ideal for borrowers who may need to replenish savings or spend on home upgrades.

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EPM - Good Neighbor Next Door Loans

Good Neighbor Next Door Loan

50% discount from the list of the home for law enforcement officers, teachers (pre-Kindergarten through 12th grade) firefighters, and emergency medical technicians.

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EPM - CHOICERenovation Loan

CHOICERenovation Loan

Ideal for borrowers looking for cost savings, flexibility, and convenience by financing their home purchase and renovation costs into one closing transaction.

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EPM - FHA $100 Down Loan

FHA $100 Down Loan

The FHA $100 down payment program is available to anyone who wishes to purchase a HUD home as their primary residence and can meet the basic qualifications for an FHA loan. It is essentially a no down payment mortgage program.

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Are you Ready to Start your Loan?

Working with an EPM Mortgage Loan Originator can make a huge difference when puchasing a new home. Our mortgage experts will help make this process easy and seamless. To get started, find your Mortgage Pro now!

Why choose EPM?

Upfront Credit Approval

Upfront credit

Give yourself the advantage over competing bids. Harness the power to negotiate with the seller. Save time by looking at properties you know you can afford.

Upfront Credit Approval

Government Approved
Direct Lender

Work with a safe FHA Direct Endorsement Lender. Deal with the decision maker; we approve and fund your loan. Our personal approach means all your questions are answered.

Upfront Credit Approval

Choose from Multiple
Loan Products

EPM offers a variety of loan products: FHA, VA, Conventional, Jumbo, Reverse Mortgage loans and more!