• 			    No matter what type of loan you need, we're with you every step of the way.
    No matter what type of loan you need, we're with you every step of the way.
  • 			    The PERFECT HOME is waiting for you -- let us find you the perfect loan to go with it.
    The PERFECT HOME is waiting for you -- let us find you the perfect loan to go with it.
  • 			    Let us be the stepping stone to the home of your dreams.
    Let us be the stepping stone to the home of your dreams.

Empire State Mortgage operates under the name L.B.A. Mortgage Services Inc. as a licensed Mortgage Broker in the state of New York. All loans arranged through a third party lender.

FHA Streamline, Conventional Home Loans, and Hard Money Commercial Loan in New JerseyEmpire State Mortgage is a New Jersey Corresponding Bankerdedicated to offering the best loan services and great rates. Our team of loan experts will help you through the loan process, making it fast and easy to get a loan. We offer the following loan programs:

  • FHA streamline - An FHA (Federal Housing Administration) loan is a government insured loan, and an FHA streamline loan is essentially the same, but with less paperwork and less hassle.
  • Conventional home loans - A conventional home loan is not fully backed by the FHA, and relies more heavily on the borrower's credit score. With today's great interest rates, you can get locked in with a fixed rate and get a great loan deal.
  • Hard money commercial loan - A typical hard money commercial loan runs a short course, usually about a year. We can process your hard money loan quickly and efficiently and get you where you need to be.
  • Small business loans - If you'r starting a small business, you will need a leg up to get started. Learn more about our small business loans today!
  • FHA refinance - Refinance your FHA loan with today's low rates and save money on your mortgage payment!

Whether you're in New Jersey, New York or Florida please contact us to see what we can do for you!

Empire State Mortgage dba L.B.A. Mortgage Services, Inc
Licensed New Jersey Corresponding Banker

Licensed by the Department of New Jersey Banking and Insurance 

Licensed Florida Banker, Licensed New York Broker
3504 Park Ave.
Weehawken,New Jersey07086 Licensed NJ, FL, NY
Tel:201-271-9000
Fax:201-271-4000
Email:info@empirestatemortgage.net

NMLS # 90898 L.B.A. Mortgage Services, Inc

NMLS# 95590 Ernesto Garcia

Latest from the Blog

Recent Articles

Dec
12
2018
Buying Versus Building a Home: Which Is Cheaper?
Is it less expensive to buy or build a house? That's a question that many homebuyers have --whether their first-time buyers or looking for toward their next move. Considering that "buy-and-flip" investors are less active and many developers have slowed down a bit, you'll soon realize...
Dec
05
2018
"What Does My Homeowner's Insurance Actually Cover?"
There’s quite a bit of misunderstanding about homeowner’s insurance and how much protection it offers you, the homeowner. Depending on the type of loan you have, whether conventional or government funded, you’ll be required to insure your home in case of a...
Nov
28
2018
What You Must Know About "Rent-To-Own" Homes
If you've browsed home sale listings, you've probably seen ads for "Rent-to-Own or "Lease-to-Own" homes. These agreements are similar to traditional rental contracts. However, they also give you an option to purchase the rental home. Curious as to what renting-to-own involves or...
Nov
14
2018
Housing Market is Hot in the New Boomtowns
Boomtown -a town undergoing rapid growth thanks to recent prosperity. It was not that long ago that we saw a migration of businesses moving operations overseas or across the border to Mexico due to the cost of running a business. Now, we’re seeing something similar with renters...