Terms & Conditions
These Terms and Conditions (“Terms”) govern your use of the Empower Capital Group website, services, and communications, including SMS/text messaging. By accessing our website, submitting a form, or communicating with us, you agree to these Terms.
Use of Website
The information provided on this website is for general informational purposes only and does not constitute legal, financial, or investment advice. Use of this website does not create a client or advisory relationship unless explicitly agreed to in writing.
You agree not to use this website for any unlawful purpose or in a way that could damage, disable, or impair our services.
Communications Consent
By submitting your contact information through our website or other channels, you consent to receive communications from Empower Capital Group via phone, email, or text message related to your inquiry, services, or account.
Consent is not a condition of purchasing any products or services.
SMS/Text Messaging Terms
If you consent to receive SMS messages from Empower Capital Group:
- Message frequency may vary
- Message and data rates may apply
- You may opt out at any time by replying STOP
- For assistance, reply HELP
SMS messages may include responses to inquiries, service-related notifications, or business communications.
No Guarantees
Empower Capital Group makes no guarantees regarding outcomes, approvals, funding amounts, timelines, or financial results. Any examples or discussions of potential outcomes are illustrative only.
Intellectual Property
All content on this website, including text, graphics, logos, and branding, is the property of Empower Capital Group and may not be copied, reproduced, or distributed without prior written consent.
Third-Party Services and Links
Our website may include links to third-party websites or services. Empower Capital Group is not responsible for the content, availability, or privacy practices of those third parties.
Limitation of Liability
To the fullest extent permitted by law, Empower Capital Group shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of this website or communications with us.
Indemnification
You agree to indemnify and hold harmless Empower Capital Group from any claims, damages, liabilities, or expenses arising from your misuse of the website or violation of these Terms.
Modifications to Terms
We reserve the right to modify these Terms at any time. Updates will be posted on this page with the revised effective date.
Governing Law
These Terms shall be governed by and construed in accordance with the laws of the state in which Empower Capital Group is registered, without regard to conflict-of-law principles.
Contact Information
If you have questions about these Terms, please contact:
Empower Capital Group
reception@empowercapitalgroup.com
(707) 522-1887
Frequently Asked Questions
What is the first step for buying a home?
We work one on one with buyers to figure out the best way to achieve their goals. The first step is getting pre-approved by one of our trusted loan officers. We will send you a list of items we need to get the approval process started.
Once you are pre-approved, we will refer you to a real estate agent to begin showing you properties!
Should I sell my home before buying a new one?
It is not necessary to sell your home before buying, but we will need to come up with a plan so that we know exactly what your goals are. Whether this be investing in rental properties or moving into a larger home.
Should I refinance?
We will review your current situation and figure out the best way to reach your goals. Whether that is getting you into a fixed rate, because you are in an adjustable, or taking cash out to consolidate debts. We will sit down and review all options to insure you are doing what is financially right for you.
What kind of documentation does it entail?
The documentation varies from person to person, but generally entails – paystubs covering the most recent 30 days, W2’s for the past 2 years, business tax returns, bank statements (including all investments) and any mortgage information for homes you may currently own.
Can I refinance with bad credit?
We know that every situation is different. You do not need perfect credit to buy or refinance. The best way to find this out is to connect with one of our trusted loan officers to determine if you qualify.
How long is the financing process?
Most refinance transactions could take up to 21 to 30 days based on the complexity of the loan. If escrow is longer that this, we will also work at the pace needed.
What are home loan rates?
Home loan rates vary daily and depend on many different factors. We are happy to help assist you with mortgage financing options. Contact one of our executives, and link over to our about us page.
How much can you comfortably afford?
Once you are pre-approved for a home loan, we can help you determine what payments you can comfortably afford. This basic calculator will also allow you to see what your payments may be once you plugged in the details.
What are the steps to purchasing a home?
STEP 2 - MEET WITH OUR TRUSTED REAL ESTATE PROFESSIONALS: Get all the details on they type of home you are looking for and get a list of homes to view.
STEP 3 - VIEW PROPERTIES: Go out with one our Real Estate staff and see properties that meet your criteria.
STEP 4 - MAKE AN OFFER: Our real estate team will assist in determining the offer price and assist with all documentation.
STEP 5 - HOME NEGOTIATIONS: Our team will aggressively negotiate with the listing agent so that your real estate needs are met with confidence.
STEP 6 - IN ESCROW: Once your offer has been accepted we open the escrow account so that you can pay the initial deposit. We will guide you through the process until the home is yours including property inspections and disclosure reviews. This is where the loan process starts. If your are obtaining a loan for the purchase of the property your loan officer will now gather any remaining documents needed from you to submit your loan file to the banks underwriter for review. The appraisal for the property is also ordered at this time if it is a requirement of the loan.
STEP 7 - LOAN APPROVAL: Once the appraisal is complete and your documents are reviewed by the underwriter your loan moves to a conditional approval status. We may ask you to satisfy those last conditions and discuss rate options if you are ready to lock the rate on your loan.
STEP 8 - LOAN DOCUMENTS & CLOSING: When loan conditions are complete we can order your final loan documents and set a date for signing. At that point the seller signs their selling documents, buyer signs their purchase and loan documents and within days the house is yours.
STEP 9 - THE MOST IMPORTANT STEP: The buyer gets their keys, pops a bottle of champagne and lives happy ever after
STEP 10 - AFTER CARE: Your Loan officer and Real estate agent will communicate over the following couple weeks to make sure that any questions that come up post close are answered. They make it a point to regularly follow up with clients well into the future in order to educate them on changing market conditions and ensure they are always in the best possible situation.