Welcome to Imperium Mortgage | Imperium Mortgage Loans

Welcome to Imperium Mortgage

Your trusted source for mortgage financing. You will find our pricing competitive, our product range expansive and our staff knowledgeable yet helpful.

30 Year Fixed Conventional

*Rates are based on; an owner-occupied one-unit single family residence; a minimum fico score of 740; a 30-day lock period; and a zip code of 20903. Purchase rate is based price of $400000 with a down payment of 20%. Refinance rate is based on W-2 income, no additional REO, a loan amount of $320,000 with a property value of $400000.

**APR include all origination fees, lender points, lender rebates, and lender underwriting fee.

30 Year Fixed High Balance Conventional

*Rates are based on; an owner-occupied one-unit single family residence; a minimum fico score of 740; a 30-day lock period; and a zip code of 20903, loan limit ceiling vary by county. Purchase rate is based price of $1000000 with a down payment of 20%. Refinance rate is based on W-2 income, no additional REO, a loan amount of $800,000 with a property value of $1000000.

**APR include all origination fees, lender points, lender rebates and lender underwriting fee.

30 Year Fixed FHA

*Rates are based on; an owner-occupied one-unit single family residence; a minimum fico score of 740; a 30-day lock period; and a zip code of 20903. Purchase price of $400000 with a down payment of 3.5%. Refinance is no-cash, based on a total loan amount of $386,000 with a property value of $400000.

**APR fees include all origination fees, discount points if any, underwriting fee, and FHA’s UFMIP.

30 Year Fixed FHA Jumbo

*Rates are based on; an owner-occupied one-unit single family residence; a minimum fico score of 740; a 30-day lock period; and a zip code of 20903. Purchase price of $850,000 with a down payment of 3.5%. Refinance is no-cash, based on a total loan amount of $820,250 with a property value of $850,000.

**APR fees include all origination fees, discount points if any, underwriting fee, and FHA’s UFMIP.

30 Year Fixed Jumbo VA

*All rates are based on; an owner-occupied one-unit single family residence; a minimum fico score of 740; a 30-day lock period; and a zip code of 20903. Purchase rate is based on a price of $1,000,000 with 10% down payment and first time use of VA eligibility. Refinance rate is based on VA IRRRL guidelines, a loan amount of $904,500 with a property value of $1,000,000.

**APR include all origination fees, lender points, lender rebates and lender underwriting fee.

30 Year Fixed VA

*Rates are based on; an owner-occupied one-unit single family residence; a minimum fico score of 740; a 30-day lock period; and a zip code of 20903. Purchase rate is based on a price of $400,000 with no down payment and first time use of VA eligibility. Refinance rate is based on VA IRRRL guidelines, a loan amount of $402,000 with a property value of $400,000.

**APR include all origination fees, lender points, lender rebates and lender underwriting fee, First Time Use VA Eligibility Funding Fee.

30 Year Fixed Jumbo

*Rates are based on; an owner-occupied one-unit single family residence; a minimum fico score of 740; a 30-day lock period; and a zip code of 20903. Purchase rate is based on a price of $1,500,000 with a down payment of 20%. Refinance rate is based on W-2 income, no additional REO, a loan amount of $1,125,000 with a property value of $1,500,000.

**APR include all origination fees, lender points, lender rebates and lender underwriting fee.

ARM Rates

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Featured Products

About Us

We are a people-centric organization that not only seeks to minimize the impact of our business on the environment but also shares concerns that will be confronted by future generations. You do not normally expect to hear this from a mortgage company, but the fact is, we finance people’s futures. Our custodial responsibility also involves supporting efforts that promote a brighter future for the planet and all its inhabitants.

Who We Are

Imperium Mortgage was formed with the intent of leveraging the power of a mortgage broker to bring greater value to our customers. This structure enables us to offer mortgage products and rates from a multitude of reputable sources under one roof. We represent some of the top wholesale lenders in the country, some of whom are nationally recognized while others may be lesser-known, all of whom are properly vetted to ensure their business philosophy aligns with our business acumen. Because we are held to a higher standard, our customers enjoy the confidence knowing they are dealing with a licensed mortgage originator who will not only preserve the integrity of their business but also look after your best interest. Whether it is shopping for the best terms or navigating challenging circumstances you are never alone, we will assist you throughout the entire process from pre-approval to closing and beyond.

Who We Are

Imperium Mortgage was formed with the intent of leveraging the power of a mortgage broker to bring greater value to our customers. This structure enables us to offer mortgage products and rates from a multitude of reputable sources under one roof. We represent some of the top wholesale lenders in the country, some of whom are nationally recognized while others may be lesser-known, all of whom are properly vetted to ensure their business philosophy aligns with our business acumen. Because we are held to a higher standard, our customers enjoy the confidence knowing they are dealing with a licensed mortgage originator who will not only preserve the integrity of their business but also look after your best interest. Whether it is shopping for the best terms or navigating challenging circumstances you are never alone, we will assist you throughout the entire process from pre-approval to closing and beyond.

Products We Offer

Conventional

Conventional loans are backed by government-sponsored enterprises, Fannie Mae, and Freddie Mac. These entities provide liquidity in the mortgage markets which allows lenders to originate more loans. Conventional loans offer flexible down payment options, lower-priced mortgage insurance premiums, low-interest rates, no-prepayment penalties, escrow waivers, custom terms, and are the most preferred type of mortgage financing.

Jumbo

Jumbo loans are typically those loan amounts that exceed FHFA high-cost limits. Higher priced and luxury homes fall in this category. These loans benefit more conservative borrowers as they require lower debt to income ratios, higher credit scores, larger down payment, and reserves. Interest rates are the lowest at higher credit scores and lower loan to values.

Renovation Loans

Renovation loans allow for the acquisition or the refinancing of residential properties that require fixing. These loans may be used for primary, secondary or investment properties and repairs range from cosmetic to major renovation. They benefit a stronger borrower profile, carry higher interest rates, larger down payment, and stricter qualifications.

USDA

The USDA Rural Development Guaranteed Housing Loan Program fits low to moderate-income borrowers purchasing a home in a designated rural area. These loans are for primary residences only with income limitations. It features 100% financing with low rates and flexible underwriting with no pre-payment penalties.

VA

VA loans are backed by the U.S. Department of Veterans Affairs which guarantees repayment of a portion of the loan amount to investors in the event of default making these loans less risky for investors. Qualified borrowers pay an Up-Front Funding Fee which guarantees up to 100% financing. VA loans are assumable, require no down payment, no mortgage insurance with flexible qualifying guidelines for all credit profiles.

FHA

FHA loans are insured by the government who guaranty payments to investors even in the event of default making them an attractive investment. Borrowers pay a premium for this insurance; in turn, these mortgages are easier to qualify for. FHA loans feature low down payment, lower qualifying credit scores, flexible underwriting, low rates, and streamlined refinancing options.

Multi-Family Loans

Multi-family financing can be an excellent way to invest in real estate and generate long-term income streams. At our brokerage, we specialize in helping borrowers obtain the financing they need to purchase or refinance multi-family properties, and we are committed to making the process as smooth and straightforward as possible.

Construction Mortgage

Build your dream home with ease, using a construction loan tailored to your needs. With our short-term financing options and flexible payment plans, we’ll help you make your vision a reality. Let us be your partner in creating the home of your dreams.

Fix n Flip loans

A fix and flip loan is a type of short-term financing used by real estate investors who want to purchase and renovate a property, then sell it for a profit.These loans are typically used by investors who specialize in buying distressed properties, such as foreclosures, short sales, or properties that need significant repairs or renovations.

Reverse Mortgages

If you are a homeowner over the age of 62 looking to tap into your home’s equity without having to sell or move, a reverse mortgage may be a smart financial tool for you. A reverse mortgage allows you to borrow against the equity in your home, receiving monthly payments or a lump sum of cash, while still living in your home. With a reverse mortgage, you can use the money for anything you need, whether it’s to pay off debt, cover medical expenses, or simply enjoy retirement.

Non-Qualified Mortgages

We understand that not everyone fits the mold of a traditional mortgage borrower. That’s why we offer non-qualified mortgages (non-QM) as an option for those who may not meet the strict guidelines of conventional mortgage loans.

First-time homebuyers

As first-time homebuyers, we understand that this journey may seem daunting, but we’re here to guide you every step of the way. From finding the perfect home to securing the best mortgage, we’ll empower you with knowledge and support, making your first home purchase a joyful and memorable experience. Together, let’s unlock the door to your new beginnings and create a place where cherished memories are made. At Imperium, we’re dedicated to helping first-time homebuyers like you make the leap with confidence and excitement.

Services We Offer

Mortgage Consultation

Not sure where to start? Speak with a Licensed Mortgage Loan Originator who guides you throughout the entire process.

Prequalification

We perform a thorough review of your borrowing profile before you begin your home search so you can shop with confidence.

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Rates

Let us find you the best interest rate available from our participating wholesale lending partners. Credit inquiry is not required.

Get help choosing the right mortgage

Find out how easy it is to speak with us. We are people-friendly and do not use high-pressure sales techniques, each individual is different, and so are we.

Custom Mortgage Terms

A standard mortgage term may not be the right fit for you. We offer loan terms between 8 years to 29 years. Answer a few easy questions and we will provide a custom rate quote.

What’s My Fico Score

See the same scores from the same report we use in the pre-qualification decision. Avoid multiple charges and multiple inquiries on your credit report.

Core Values

  • We are a people-centric business.
  • We encourage leadership and diversity at all levels
  • We build sustainable relationships in the communities we serve.
  • We value an ethical approach to doing business.
  • We evaluate our products and services to ensure we continually bring the most value to our customers.
  • We strive to be the preferred mortgage originator of choise.
  • We employ business practices that promote a sustainable future for all humanity
  • We strive to be the preferred mortgage originator of choise.
  • We provide the best value to our stakeholders when we are fiscally responsible.
  • We promote a healthy work-life balance for all our employees.
  • We believe teamwork is a key element to our success.

Mission

Our business is to advance the benefits of our customers
by building strong relationships in the communities we serve one at a time

Vision

To become a market leader
by promoting a brighter future for our customers and our business.

yemyo hein
yemyo hein
2023-11-01
My journey with Imperium Mortgage has been nothing short of remarkable, largely due to the exceptional guidance of Bina. As a seasoned and knowledgeable loan officer, her expertise shone through every step of the way. The level of customer service she provided was unparalleled, leaving me with a profound sense of satisfaction. Bina's unwavering commitment and seamless assistance were instrumental in making my dream of owning a home a reality. My heartfelt gratitude to Bina for her dedicated efforts and unwavering support throughout the entire process.
sunna ahmed
sunna ahmed
2023-10-12
I cannot express how impressed I am with Raj's exceptional service as a lender. As a top producing agent, I have worked with numerous lenders in the past, but none have been able to match Raj's level of efficiency and speed. He managed to close a deal for one of my clients in just 11 day, which is simply astonishing! Raj's ability to work quickly, without compromising on quality, is truly commendable. In the fast-paced world of real estate, time is of the essence, and Raj understands this perfectly. He handled all the paperwork and documentation swiftly, ensuring that everything was in order for a smooth and seamless closing process. Furthermore, Raj's attention to detail and expertise in the lending industry are unparalleled. He went above and beyond to ensure that my client received the best possible terms and rates for their loan. His knowledge and dedication to his craft are evident in his ability to navigate through complex financial scenarios effortlessly. Not only did Raj deliver on his promises, but he also provided excellent communication throughout the entire process. He kept me and my client informed at every step, addressing any concerns or questions promptly. This level of professionalism and transparency is truly refreshing and greatly appreciated. I have no hesitation in referring Raj to anyone in need of a lender. His ability to close deals quickly, efficiently, and with utmost precision sets him apart from the rest. If you're looking for a lender who can get the job done without any unnecessary delays or complications, Raj is the person to go to. Thank you, Raj, for your outstanding service!
Weineshet Tolessa
Weineshet Tolessa
2023-10-12
Bina helped me and my family through the process of buying our dream home. She even worked with me through out while she was on vacation. She is very patient and professional. I highly recommend her. Thank you so much Bina!!
asumta tumasang
asumta tumasang
2023-10-10
My experience with Imperium Mortgage has been awesome and most especially with Bina. She is a well-seasoned, experienced loan officer. Her customer service is five and I enjoyed working with her. Thank you Bina. My first home is all thanks to you working effortlessly and guiding me throughout the process.
Jerome Chemuta
Jerome Chemuta
2023-10-10
Mrs Bina has been of great importance to me and my family. She is the greatest loan officer I have ever seen. May the Almighty God guide and protect you to help others in future. Kudos to you.
Alex Abraham
Alex Abraham
2023-10-02
I have had the privilege of knowing Raj for over a decade, and during that time, he has consistently proven himself to be a mortgage lending expert of the highest caliber. Raj's wealth of years of experience in the mortgage industry shines through in every interaction. His deep understanding of market dynamics and industry trends has allowed me to make well-informed decisions that have saved me money and reduced the years I'll need to pay my mortgage. One of Raj's most remarkable qualities is his unwavering work ethic. He goes above and beyond to ensure his clients receive the best possible service. Whether a refinance or a new mortgage, Raj is always there to provide expert guidance, answer questions, and streamline the process. In a world where trust and integrity are paramount, Raj and Imperium Mortgage LLC are a beacon of both. I've witnessed Raj's dedication firsthand over the years, and I can confidently say that he is not only a mortgage lender but also a trusted partner in securing my financial future. He has financed my home purchases and guided me through subsequent refinances that have been nothing short of game-changers for my financial future. If you require home financing, whether a refinance, a new mortgage, or even financial planning, look no further than Raj. and Imperium Mortgage LLC. Thank you, Raj, for your hard work and dedication over the years; you are a fantastic guy!
Mickey Singh
Mickey Singh
2023-07-17
I had great experience with imperial mortgage. First Bina Raghunath and her team did fabulous work. Second it was my first house didn’t know nothing and help me out like a family members do. I’m really looking forward for future projects. I highly recommend Bina and her team.
MARCELLUS T. KENDELL III Realtor, MRP
MARCELLUS T. KENDELL III Realtor, MRP
2023-04-19
Bina Raghunath did a Great job of closing a loan on schedule after discovering that there was a better program to fit her Client's Need. These folks get deals done - Great Customer Service For Sure
Chace Walters
Chace Walters
2022-10-12
It was great working with Raj, he was knowledgeable and patient. He is highly recommended and I would definitely use his services again.