EMPIRE FINANCIAL SVC

I was given a few referrals about mortgage companies by my realtor, but then I saw an ad for very competitive rates in the Gazette, so I decided to give it a try just for the sake of comparison. I got a call back immediately from Lou Farago, President/CEO of Empire Financial. He gave me the best rates and closing prices than anybody else. He was always very prompt and courteous, and even delivered the documents personally to our home mail box a couple of times, answered emails on weekends and explained the whole process and various details at length. He is a local entrepreneur, so you can notice a difference immediately when talking to him - he's passionate about his job, extremely knowledgeable, very flexible and will always meet or beat any rates or closing costs from other providers -- both nationally renowned names as well as other local morgage lenders. We were warned by both our realtor as well as other morgage companies not to go with an unknown entity that I just found in the Gazette, and that we may have trouble with the closing down the road, but everything went very smoothly and as expected -- and as a financial analyst, I definitely dug into the numbers to ensure there were no surprises. We were so pleased with his services that we decided to refinance both our principal residence as well as another investment property with him. I would recommend Lou to anybody who either wishes to refinance or get a new mortgage.