I’m Sheryl Verdugo,

Mortgage Broker and Producing Branch Manager of Empire Home Loans—and for over 20 years, I’ve been helping clients turn complex financing into confident homeownership.

As a top-producing loan officer with a long-standing reputation for excellence, I built my career on one simple principle: put the client first, always. That commitment to service and results led me to open my own brokerage, giving me the freedom to shop across multiple lenders and secure the most competitive rates and terms available.

At Empire Home Loans, we don’t believe in cookie-cutter solutions. I specialize in navigating even the most challenging loan scenarios—from self-employed borrowers to investment properties and everything in between. I work around the clock, often going the extra mile (and then some) to ensure every loan closes on time and with minimal stress.

My clients know me for my responsiveness, transparency, and relentless drive to get things done. Whether you're buying your first home, refinancing, or expanding your real estate portfolio, I’m here to guide you every step of the way—with clarity, care, and unmatched expertise.