Big Sarge | VA Home Loan Specialist
Michael "Big Sarge" Mesa, Senior Military Mortgage Advisor at Empire Home Loans
Big Sarge | VA Home Loan Specialist
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Veterans and active duty service members: Skip the runaround. Get a personalized rate quote from a fellow service member who understands your benefits.
Veteran-Led Mortgage Team
Serving Tennessee & Virginia Veterans
Response within 2 hours
500+
Families Helped
$200M+
Loans Closed
2hrs
Avg. Response Time
Michael "Big Sarge" Mesa (NMLS # ) | (NMLS # )
Equal Housing Opportunity
Not affiliated with or endorsed by the U.S. Department of Veterans Affairs or any government agency.
This is not a commitment to lend. All loans are subject to credit approval, underwriting, and property eligibility. Not all borrowers will qualify.
For Tennessee and Virginia residents: Mortgage services are subject to state regulations. Licensing information available at <a href="https:
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- Terms of Service
- Privacy Policy
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Terms of Service | Empire Home Loans
Terms of Service & Contact Agreement
1. Acceptance of Terms
2. Eligibility
3. Contact Information & Communication
3.1 Consent to Contact
3.2 Purpose of Communication
3.3 Telephone Consumer Protection Act (TCPA) Compliance
4. No Guarantee of Approval or Funding
5. Accuracy of Information
6. Privacy & Data Protection
6.1 Privacy Policy
6.2 Information Security
7. Electronic Signatures & Records
8. Intellectual Property
9. Disclaimer of Warranties
10. Limitation of Liability
11. Equal Housing Opportunity
12. Governing Law
13. Changes to Terms
14. Severability
15. Contact Information
Effective Date: March 27, 2026 | Last Updated: March 27, 2026
By accessing, browsing, or submitting information through the contact forms on this website (the "Site"), you acknowledge that you have read, understood, and agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use this Site or submit any information.
By using this Site, you represent and warrant that:
By submitting your contact information through this Site, you expressly consent to being contacted by and via:
Contact will be made solely for mortgage-related purposes, including but not limited to:
You acknowledge that:
IMPORTANT NOTICE: Submission of contact information or a loan inquiry does not constitute a mortgage application, nor does it guarantee:
All loan programs are subject to credit approval, underwriting guidelines, and verification of information. Rates and terms are subject to change without notice.
You agree to provide accurate, current, and complete information when completing contact forms or loan inquiries. reserves the right to verify all information provided and to refuse service to anyone providing false or misleading information.
Your use of this Site is also governed by our Privacy Policy , which is incorporated herein by reference. Please review our Privacy Policy to understand how we collect, use, and protect your personal information.
While we implement reasonable security measures to protect your information, you acknowledge that no method of transmission over the Internet or electronic storage is 100% secure. We cannot guarantee absolute security of your data.
You agree that electronic submissions, agreements, and records shall have the same legal effect as paper-based documents. You consent to the use of electronic signatures and electronic delivery of disclosures and documents.
All content on this Site, including but not limited to text, graphics, logos, images, and software, is the property of or its content suppliers and is protected by United States and international copyright laws. Unauthorized use or reproduction is strictly prohibited.
THIS SITE AND ALL CONTENT, PRODUCTS, AND SERVICES PROVIDED ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, , , AND THEIR OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATING TO YOUR USE OF THIS SITE OR ANY INFORMATION PROVIDED HEREIN.
supports Equal Housing Opportunity. We conduct business in accordance with the Federal Fair Housing Law, which prohibits discrimination based on race, color, religion, sex, handicap, familial status, or national origin.
These Terms shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law provisions. Any legal action arising from these Terms shall be brought exclusively in the courts of Sacramento County, California.
We reserve the right to modify these Terms at any time without prior notice. Changes will be effective immediately upon posting to this Site. Your continued use of the Site constitutes acceptance of the modified Terms.
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.
For questions regarding these Terms, please contact:
4401 Hazel Ave Suite 225 Fair Oaks, CA 95628
Email: Phone:
NMLS # Company NMLS #
Electronic Agreement
BY SUBMITTING YOUR INFORMATION THROUGH THIS WEBSITE, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS OF SERVICE.
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Privacy Policy | Empire Home Loans
Privacy Policy
1. Introduction
2. Information We Collect
2.1 Personal Information
2.2 Automatically Collected Information
3. How We Use Your Information
4. Legal Basis for Processing (GDPR Compliance)
5. Sharing Your Information
6. Data Security
7. Data Retention
8. Your Privacy Rights
9. CCPA Rights (California Residents)
10. Cookies and Tracking Technologies
11. Third-Party Links
12. Children's Privacy
13. Contact Us
14. Changes to This Privacy Policy
Effective Date: March 27, 2026 | Last Updated: March 27, 2026
("we," "us," or "our") respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or submit information through our contact forms.
By accessing or using our website, you consent to the practices described in this Privacy Policy. If you do not agree with the terms of this Privacy Policy, please do not access the website or submit any information.
We may collect personal information that you voluntarily provide to us when you:
This information may include:
When you visit our website, we may automatically collect certain information about your device, including:
We use the information we collect for the following purposes:
If you are a resident of the European Economic Area (EEA), we process your personal information based on the following legal grounds:
We may share your personal information with:
We do not sell your personal information to third parties for marketing purposes.
We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the Internet or electronic storage is 100% secure, and we cannot guarantee absolute security.
We retain your personal information for as long as necessary to fulfill the purposes for which it was collected, comply with legal obligations, resolve disputes, and enforce our agreements. Generally, we retain mortgage-related records for at least seven (7) years as required by applicable law.
Depending on your location, you may have the following rights regarding your personal information:
To exercise these rights, please contact us using the information provided in Section 13.
If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA):
Our website may use cookies and similar tracking technologies to enhance your experience, analyze site usage, and assist in our marketing efforts. You can set your browser to refuse all or some cookies, but this may affect the functionality of our website.
Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of these third-party sites. We encourage you to review the privacy policies of any third-party sites you visit.
Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected personal information from a child, we will take steps to delete such information.
If you have any questions or concerns about this Privacy Policy or our data practices, please contact us:
Attn: Privacy Officer 4401 Hazel Ave Suite 225 Fair Oaks, CA 95628 Email: Phone:
NMLS # Company NMLS #
We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. The updated policy will be posted on this page with a revised "Last Updated" date. We encourage you to review this Privacy Policy periodically.
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