Karen Means has helped many people achieve their goal of homeownership. Whether you are a first-time home buyer or refinancing an existing loan, Karen has a solid understanding of the local real estate market and what it takes to close your loan with efficiency and expertise.

At Empire Financial Services, Inc, we offer a variety of mortgage financing options for every stage of homeownership, including:

Conventional Fixed Rate and Adjustable Rate loan programs
FHA and VA loans
Guaranteed Rural Housing Loans
First-time home buyer financing options
Affordable housing solutions
Specialty financing for licensed medical physicians or dentists through the Doctor Loan Program
Jumbo Financing for homes requiring larger loan amounts
No Income verification Investment Property Financing
ITIN home loans as well as Foreign national Financing
Mortgage refinancing options that could lower your monthly payment and save you money each month
Non traditional income verification via Bank statement cash flow analysis

Whether you want to buy a house, build your dream home or refinance your existing mortgage, we can help you find the financing solution that’s right for you. Karen has experience in all types of loan programs and is always available to help you with your mortgage needs. A proven mortgage professional, her attention to detail will make your mortgage process run smoothly and easily.

Karen Means
Senior Loan Officer
Direct line 240-499-3220
cell 301-775-5442
kmeans@empirefs.com

apply for your mortgage transaction below secure application process
Click Here