Your California Mortgage Advisor. Strong Offers. Fast Closings. Your Lender for Life!

Based in the South Bay, Los Angeles · Serving all of California

Fiona Bryan, NMLS #1812932 · Empire Home Loans · 310-567-6988

Bright California home with a backyard pool

Fiona Bryan, mortgage advisor at Empire Home Loans

Anyone can quote you a rate. I’ll get you the right loan.

Most lenders stop at the rate. I don’t. I lay out your options side by side and show you what each one really costs over time. You go into your offer knowing your numbers cold. That’s how my clients write stronger offers and avoid expensive mistakes.

I’ve lived in Redondo Beach for 15 years and raised my three kids here. I came to lending with a background in education, and I still teach. My clients understand their loan before they sign it. That’s why they come back to me for the next one.

Get my loan strategy

Fiona Bryan · Mortgage Advisor, Empire Home Loans · NMLS #1812932

More about me

How I can help

Buy your first home

Find out what you can comfortably afford, and get a pre-approval that holds up.

First-time buyers

Move up to your next home

Use the equity in your current home to buy your next one, and move once.

Move-up buyers

Refinance

Lower your payment, drop mortgage insurance or free up cash, if the numbers make sense.

Refinancing

Reverse mortgage

For homeowners 62 and up who want to use their equity and stay in their home.

Reverse mortgages

Real estate agent? See how I work with agents. Looking for something specific? See all loan options.

What clients say

      EXCELLENT  
   Based on 40 reviews 
    
 
 
 
   
 
 
       Posted on Google  
   
   Gladys Aparicio 
 August 25, 2026
 
 
 Trustindex verifies that the original source of the review is Google. This is our 2nd time working with Fiona, and there’s so many reason we came back to her! We had such a great experience the first time, and she made our second time was even better.

Our refinance was not straightforward but Fiona was incredibly proactive and detail oriented throughout the entire process. She explained everything clearly, communicated with us constantly, and was always available when we had questions.

More than anything, we really felt like Fiona was fighting for us to get the best rate and most money in our pocket. Whenever we hit a roadblock, she was already thinking about the next step, strategizing, and connecting with the right people to figure out a path. We always felt like we had someone in our corner who genuinely cared about getting us across that finish line.

We’re so grateful for how hard she worked for us and for how supported we felt throughout the entire process. After working with her twice now, Fiona is officiallyy our broker for life! ❤️
  
 
      Posted on Google  
   
   Wendy Seelig Walker 
 July 28, 2026
 
 
 Trustindex verifies that the original source of the review is Google. Fiona was wonderful to work with. She was knowledgeable, kind and super responsive. I would highly recommend her to all my friends to use.
  
 
      Posted on Google  
   
   Chanais Walker 
 July 22, 2026
 
 
 Trustindex verifies that the original source of the review is Google. Fiona has been our broker for about 5 years. The first time we worked with her she connected us with an amazing real estate attorney. They worked with us to make a tough situation work out for us in the best possible way. Since then, whenever we have questions or concerns about finances around our home we call her first. She is always kind, patient, and resourceful.
  
 
      Posted on Google  
   
   Laura DeMarco 
 July 16, 2026
 
 
 Trustindex verifies that the original source of the review is Google. I had the pleasure of working with Fiona Bryan on a recent transaction where I represented the Seller and she was the Buyer's lender. Fiona was fantastic to work with from start to finish. Her communication was excellent, she was incredibly efficient, and she helped keep the transaction moving smoothly every step of the way. She was always responsive, professional, and proactive, making the entire process seamless for everyone involved. I would absolutely recommend Fiona to anyone looking for a knowledgeable and reliable lender, and I look forward to working with her again in the future!
  
 
      Posted on Google  
   
   Jennifer Iwamoto 
 June 5, 2026
 
 
 Trustindex verifies that the original source of the review is Google. Fiona and her team are wonderful to work with, they are super on top of everything and she had great recommendations and I’m so grateful for her guidance with finances and other helpful advice. I will definitely recommend her to anyone looking for a home in SoCal! :)
  
 
      Posted on Google  
   
   Jeremy K 
 June 4, 2026
 
 
 Trustindex verifies that the original source of the review is Google. Fiona helped me through a very stressful and complicated refi process (my fault not hers) making me feel comfortable all the way through. She communicated with me all at every step along the way and got it done in record time. I'm grateful I had her help to navigate through. Thank you so much. Any mortgage business in the future will always go through her.
  
 
      Posted on Google  
   
   Jen S. 
 April 8, 2026
 
 
 Trustindex verifies that the original source of the review is Google. I highly recommend Fiona Bryan.

Working with Fiona Bryan was an absolute game-changer throughout my home financing journey. From start to finish, she was knowledgeable, responsive, and incredibly committed to getting the deal done.

What truly set Fiona apart was her persistence. Even when we ran into challenges with document signing, she did not give up. She stayed on top of every detail and kept things moving forward with professionalism and urgency.

On top of that, her market awareness was unmatched—she locked in my rate at the right moment when the market began to shift, which made a significant difference for me.

Fiona made what could have been a stressful process feel manageable and supported every step of the way. If you’re looking for someone who is strategic, reliable, and truly advocates for her clients, I highly recommend Fiona Bryan.

I’m beyond grateful for her dedication and expertise.
  
 
      Posted on Google  
   
   Fartash Vasefi 
 March 2, 2026
 
 
 Trustindex verifies that the original source of the review is Google. She is awesome, I always call her magician, She did three loans for me successfully! Thank you
  
 
      Posted on Google  
   
   stephen cabral 
 February 23, 2026
 
 
 Trustindex verifies that the original source of the review is Google. I am so impressed with Fiona's knowledge of loan options and various products.  If you're looking for a Refi or home purchase, Fiona will walk you through the process and be there for you every step of the way.
  
 
      Posted on Google  
   
   jamie vitale 
 February 10, 2026
 
 
 Trustindex verifies that the original source of the review is Google. Fiona is an excellent communicator, and super knowledgeable. She was a great help finding a loan for us that worked.
  
 
  
  
 
     Verified by Trustindex  Trustindex verified badge is the Universal Symbol of Trust. Only the greatest companies can get the verified badge who has a review score above 4.5, based on customer reviews over the past 12 months. Read more

What working with me looks like

Know your numbers

We go through your income, cash and monthly comfort zone up front, so you’re not guessing. Your pre-approval and loan scenarios are built on verified documents, not a quick estimate.

A clear timeline

The day your offer is accepted or we open a loan, I build your timeline and work backward from your closing date. Appraisal, conditions, final approval: each one gets a date, and I chase every one.

A lender for life

From the start, we set a clear goal for your mortgage: pay it off sooner, drop PMI, free up cash, or line up your next home. Then we perform regular Mortgage Efficiency Checkups to make sure you are on track with your goals.

Mortgage questions, answered

Plain-English answers to the mortgage questions I hear most.

Sellers are cutting prices. Here’s how buyers can make the most of it.
More sellers are cutting prices. Here’s how to decide between a lower price, a seller credit or a rate buydown, and what sellers should do now.
Can you buy your next home before you sell this one?
Finding the right home before your current one sells creates a real timing problem. In California, where good homes often get multiple offers, waiting…

See all articles

Not sure where to start? Let’s talk it through.

A 30-minute call by phone or video, with me directly. It’s a conversation, not a sales pitch, and it doesn’t touch your credit.

Book a strategy call

Or call me at 310-567-6988