Empire Mortgage Group

Business Details

Your Trusted Mortgage Broker in Hamilton

Empire Mortgage Group is a dedicated team of mortgage professionals committed to simplifying the financing process for our clients. With decades of combined experience in the mortgage industry, we specialize in providing personalized solutions tailored to each client's unique financial situation. Our team prioritizes education and transparency, empowering clients to make informed decisions about their mortgages and long-term financial wellness.

We serve the Greater Toronto Area, Hamilton/Halton, and Niagara regions, offering expertise in first-time home purchases, investment properties, self-employed financing, and debt consolidation. Our community involvement through Empire Cares demonstrates our commitment to giving back, while our partnerships with over 60 top lenders ensure competitive rates and terms for every client.

Services

First Time Home Buyers Investment Properties Self-Employed Financing Debt Consolidation Mortgage Renewals Private Mortgages Commercial Lending Mortgage Calculators Financial Planning Community Programs

Highlights and features

We offer 40+ years of mortgage experience in Southern Ontario
Our team includes certified mortgage professionals with specialized expertise
We provide access to over 60 top Canadian lenders
Our client education approach empowers informed financial decisions
We maintain transparent communication throughout the mortgage process

What people say

Professional, informative, friendly Felt like family Quick responses White-glove service Financial literacy focus

Website

Update Listing

Services

First Time Home Buyers

We guide first-time buyers through every step of the mortgage process. Our experts explain available programs, help with pre-approvals, and secure competitive rates tailored to your financial situation. We focus on educating clients about down payment options, closing costs, and long-term mortgage planning.

Investment Properties

Our team specializes in financing solutions for rental and investment properties. We connect clients with lenders offering favorable terms for income-generating properties, considering factors like cash flow projections and portfolio diversification strategies while maintaining competitive interest rates.

Self-Employed Financing

We provide customized mortgage solutions for self-employed individuals and business owners. Our specialists understand alternative income documentation requirements and work with lenders accommodating non-traditional financial statements while ensuring compliance with current lending regulations and stress test requirements.

Debt Consolidation

Our debt consolidation services help clients simplify payments through mortgage refinancing, second mortgages, or HELOCs. We analyze your financial situation to recommend the optimal solution for reducing interest costs while improving cash flow management and credit health.

Mortgage Renewals

We assist clients with mortgage renewals by comparing current market rates and negotiating better terms. Our team ensures seamless transitions at maturity while exploring potential savings opportunities through lender switching or portfolio restructuring options.

People

Kevin Huynh

Principal Broker

Founder of Empire Mortgage Group with over a decade of brokering experience, specializing in financial literacy education and mortgage process simplification for clients.

Luv Gambhir

Lead Underwriter

Mortgage advisor with extensive market knowledge, focusing on residential financing solutions and investment property acquisitions while maintaining community engagement through travel experiences.

Patrick Zenta

Senior Underwriter

Certified financial planner with 10+ years in financial services, specializing in personalized mortgage solutions and transparent communication for GTA residents.

Louis Rumantir

Mortgage Agent

Combines banking experience with real estate expertise, holding dual degrees in business and biochemistry while specializing in client-focused mortgage solutions.

Charlie Difalco

Mortgage Agent

Accredited financial planner with 15+ years residential experience, actively involved in community organizations like Food4Kids while providing comprehensive mortgage guidance.

Questions

What mortgage services does Empire Mortgage Group offer?

We provide first-time homebuyer programs, investment property financing, self-employed mortgage solutions, debt consolidation, private mortgages, and commercial lending options across Southern Ontario.

How can I determine what mortgage I can afford?

Our online affordability calculator helps assess your financial situation, or you can consult with our mortgage professionals for personalized guidance.

Do you work with self-employed individuals?

Yes, we specialize in mortgage solutions for self-employed clients, understanding the unique financial documentation requirements and income structures.

What is the mortgage process timeline?

Typical processing takes 15-30 days depending on complexity, with expedited options available for urgent purchase situations.

Can I transfer my existing mortgage?

Our switch/transfer program allows seamless mortgage transfers at maturity while maintaining your original amortization schedule.

Reviews (5)

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Kenny Falardeau

Jan 29, 2022 Report

Working with Empire has been amazing, I am very glad we made the decision. Patrick Zenta specifically has been there for me every step of the way - often times after hours as well! He will be a huge asset whether you're new to real estate investing or a seasoned individual. He will ensure the best products and options are put in front of you to make an educated decision. It's important to have an incredible team around you - Patrick is on my team! I highly recommend!

Daniel Krzywiecki

Jan 20, 2022 Report

Aaron Porcaro is a gem! From day 1 of meeting, Aaron provided in-depth information about our mortgage options and answered numerous questions. With his deep expertise of the industry, we were confident that Aaron was leading us in the right direction to chose the best options. I would recommend Aaron to anyone looking for a mortgage - no matter the size!

S. HAnlon

Jan 18, 2022 Report

This is the second time I have worked with Aaron, He will get it done. Works well under pressure as I was not as prepared as I should have been.it. Aaron.had even followed up with.me during my term to make sure everything was going well. Answers his phone whenever you have a question and is very reliable. Thanks again Aaron.

Lisa Howlett

Dec 16, 2021 Report

I have nothing but positive things to say about Kevin and the entire Empire Mortgage Group team. Kevin exceeded our expectations and went above and beyond in every aspect of the process. If we had any questions, Kevin and his team were always quick and efficient in their responses which put our minds at ease. We will definitely work with Kevin and his team again in the future :)

Tom Qiao

Dec 11, 2021 Report

Amazing service and mortgage advice from Patrick Zenta and team. With his help, I was able to successfully purchase a property in Hamilton and secure a mortgage during a probationary period, something that none of the big banks could offer me.
Patrick was exceptionally responsive to my inquiries as a first-time home buyer and provided the best financing options for my situation. He took the time to gather the specifics of my situation in order to qualify me for the maximum mortgage amount. Highly recommend to anyone seeking a mortgage or exploring their financing options!