Realize Your
Dream of Home Ownership

We know that each customer has specific needs, so we strive to meet those specific needs with a wide array of products, investment tools, mortgages and best of all quality service and individual attention.
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Purchase a Home

Whether you're buying your first home or your dream home, we have a mortgage solution for you. Get your custom rate quote today.

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Apply Now

Our Secure Application takes about 12 minutes to complete, and is required for a "Pre-Approval." You will be contacted once your application is submitted.

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Refinance your Home

We're committed to helping you refinance with the lowest rates and fees in the industry today. Check out our Low Rates, Calculate your Payment, or Start the Process Today!

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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

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

NMLS# 95590 Ernesto Garcia

Begin your home loan process today! Our mortgage advisors are standing by. Request a free personalized rate quote.