Reverse mortgages, HELOCs, refinancing, and mortgage solutions for every credit profile. Real people. Real answers. No jargon. No runaround.
No obligation. No credit check to get started.
From unlocking home equity in retirement to getting funded with challenged credit — we find the path forward when others say no.
You've built equity for decades. A reverse mortgage lets homeowners 62+ access that equity as tax-free cash — no monthly mortgage payments required, and you stay in your home.
A Home Equity Line of Credit turns your equity into a flexible credit line you draw from as needed — ideal for home improvements, debt consolidation, or major expenses.
Lower your monthly payment, shorten your loan term, or convert equity to cash. We'll find the refinance option that saves you the most — and explain it in plain language.
Bankruptcy. Foreclosure. Collections. Low score. We've seen it all — and we have programs built for borrowers traditional banks won't help. Your situation doesn't define your options.
We're not a call center. We're not a big bank. We're a dedicated team that picks up the phone and walks you through every step personally.
You work directly with a licensed loan officer — not a bot, not a call center rep. Real answers, real conversations.
We have access to more programs than most lenders, which means more ways to get you approved on terms that work.
Reverse mortgages are complex. We specialize in them — and we explain every detail until you're fully confident.
We've helped borrowers get funded after bankruptcy, foreclosure, and collections. We find solutions others overlook.
We know the DC metro market — its neighborhoods, its lenders, and its unique financial landscape — inside and out.
No cost, no commitment, no credit check to start. Just an honest conversation about your options and what's possible.
Most clients go from initial call to clear answers in under 24 hours.
Call us or submit the form. We'll ask a few questions and listen to understand your situation — no pressure, no pitch.
We search our 25+ loan programs to identify the best fit for your credit, income, equity, and goals.
We walk you through your options in plain English — what each means, what it costs, and what to expect.
You handle life. We handle lenders, paperwork, and timelines — keeping you informed every step of the way.
Clear to close. Funds in hand. Your financial goals — achieved.
Real results for real Maryland, DC & Virginia homeowners.
"I was 74 and overwhelmed. My daughter found Empire Financial and Burke walked us through every detail of the reverse mortgage — patiently, honestly. We accessed the equity we needed and I didn't have to leave my home. That meant everything to us."
"Two years ago I had a foreclosure on my record. Every bank said no. Empire Financial found a program that worked for my situation. I'm now a homeowner again. I never thought that would happen."
"The HELOC process was so much simpler than I expected. Burke explained my options clearly, got us a great rate, and we used the funds to renovate our kitchen and pay off high-interest debt. Best financial decision we've made."
We're not a faceless institution. We're two professionals who built Empire Financial to give Maryland, DC, and Virginia homeowners the personal service they deserve.
Luis Farago co-founded Empire Financial Services with a vision to build a mortgage company that puts clients first — no fine print surprises, no runaround, no pressure. As Managing Partner, Luis oversees operations and business development, ensuring every client experience reflects the values Empire Financial was built on: transparency, integrity, and results. His leadership has been instrumental in positioning Empire Financial as a trusted resource for homeowners across the DC metro region.
Burke Slater brings over 20 years of client relationship experience to Empire Financial, having built a distinguished career working with physicians, surgeons, and business owners across the DC metro area. As your licensed loan officer, Burke specializes in reverse mortgages, HELOCs, and finding creative financing solutions for borrowers with challenged credit histories. He is known for explaining complex financial products in plain language and staying with clients from first call through closing.
A free consultation costs you nothing. The right mortgage could change everything.
📞 Call (657) 410-6879 Request a Consultation