Why EPM?
We Teach Financing,
We Don’t Sell It.
The mission of EPM is to continually improve the lending process, increase efficiency, transparency, and overall financial literacy for our clients. We pride ourselves on excellent custom service, communication and building long-lasting relationships with our clients.
At EPM, we believe that advertising interest rates online should be illegal.
The interest rate on your loan is based on many different variables. This makes it impossible to advertise a rate that applies to everyone.
Low rates make for great online advertisements, but they always come with high fees and are extremely misleading and confusing.
Rather than spending millions on advertising low rates that most people won’t get, we invest in Decision First® underwriting to assess and approve each client’s unique scenario upfront, provide education and transparency on how interest rates work and offer custom-tailored guidance to meet your unique needs.
If the underwriting process uncovers any challenges, EPM’s Almost Home® program provides a clear course of action to get approved. Our professional mortgage loan originators will lay out a step-by-step plan to overcome any challenges and provide a full suite of pro bono mortgage consulting services to help you obtain the financing you need, no matter how long it takes.
FREQUENTLY ASKED QUESTIONS
HOW IS EPM DIFFERENT?
EPM provides clients direct access to the most diverse array of home lending products available in the industry. Unlike many lenders, EPM seeks to build relationships and educate people of all financial and credit profiles, improve financial literacy, and make home ownership a reality for everyone.
A direct lender is the direct source of funds and lends money directly. A mortgage broker is a middleman between the direct lender and the client. Unlike a mortgage broker, there is no middleman with a direct lender; you are coming directly to the source for the mortgage.
EPM works directly with the consumer to originate, process, approve and fund a mortgage loan. Direct lenders can simplify the mortgage process and make it more efficient by controlling the entire process from start to finish. Coming directly to the source allows for lower costs, faster closings and better overall service and communication.
The portal provides direct access to the loan file, the ability to upload and e-sign documents securely and loan status updates along the way. You can access the portal as often as you like, 24 hours a day, 7 days a week as you progress through the loan process.
Most clients opt to begin the process online by completing a simple application. The entire process can be completed virtually via phone calls, text messages and emails. For clients who prefer to speak on the phone or meet face to face, arrangements can be made to meet with one of our local Mortgage Loan Originators either virtually or in-person.
Whether you apply on-line or over the phone, a licensed Mortgage Loan Originator will guide you through the entire process, answer any questions you may have and keep you updated along the way!
Ready To Get Pre-Approved?