A women-led mortgage brokerage · King of Prussia, PA

Empowering you to achieve your real estate dreams.

A family-focused brokerage that makes lenders compete for your loan — honest guidance in plain language, every step of the way, at no cost to you.

ConventionalFHAVAUSDAJumbo203(k) Rehab
Kirstie Holmes, CEO and Managing Partner of Empower Mortgage Partners
Kirstie HolmesCEO & Managing Partner
NMLS #1264121
No cost to youBroker compensation is paid by the lender

Why families choose Empower

A brokerage that works for you,
not for a bank.

A bank can only offer you its own products. As your broker, we shop your one application across our network of wholesale lenders — and hold your hand from first call to closing day.

Lenders compete, you win

One application, shopped across our wholesale lender network — so you see your best available rate and program, not just one bank's offer.

Family focused, always

Buying a home is a family decision — and often comes during life's biggest changes. We explain every option in plain language and never rush you into a loan that doesn't fit your life.

From pre-approval to keys

Credit guidance, pre-approval, underwriting, closing — one team by your side the whole way, from first call to move-in day.

The broker advantage, by the numbers

Mortgage brokers are better
for your wallet.

Independent research on federal mortgage data keeps reaching the same conclusion — working with an independent broker saves real money.

Kirstie Holmes in the Empower Mortgage Partners office in King of Prussia
Areas of focus: families, first-time buyers and young adults, real estate agents & brokers, attorneys, builders, and investors.

Our story

Built by a woman who
knows what it takes.

Kirstie Holmes was born in Chester County and raised in Hatfield, spending most of her life in the greater Philadelphia area. A North Penn High School graduate, she earned her cosmetology license in 2004 and spent ten years running a chair in Pennsylvania and New York salons before putting down the scissors to pursue a career in finance.

She learned the industry from the inside at a local bank — earning her Law and Banking and Principles of Banking designations through the American Bankers Association, building and teaching training programs across departments, and leading her offices to success with them. From there she obtained her mortgage license at two Philadelphia-area correspondent mortgage companies, where breaking the mold with consistent, ethical standards became her calling — and lifelong friendships with clients became the proof.

"Marriage, a new baby, divorce, the loss of a loved one, retirement — moving during life's big changes is never easy. We're here to hold your hand every step of the way, so the process is as peaceful and seamless as possible."

As a single mother of two, navigating change and difficult times has been Kirstie's specialty for years — personally and professionally. That's the heart of Empower: a mentor, a female-empowerment advocate, and a women-led team educating and empowering families to make the best decisions for their financial futures.

Loan programs

Whatever your path home looks like,
we have a program for it.

Conventional
FHA
VA
USDA
Jumbo
203(k) Rehab
First-time buyers
Refinance & cash-out
Debt consolidation
Investment property
Adjustable rate (ARM)
Credit improvement

How it works

Four steps from first call
to front door.

A clear process, so you always know what happens next.

Talk with us

A free, friendly, no-pressure conversation about your goals, budget, and timeline.

Get pre-approved

Apply securely online. We verify your numbers so you can shop with confidence.

We shop lenders

We compare programs across our lender network and walk you through your best options in plain language.

Close & move in

We manage underwriting through closing day — and hand you the keys.

Meet the team

The women of Empower.

Licensed, local, and in your corner.

Kirstie Holmes, CEO and Managing Partner
Kirstie Holmes CEO & Managing Partner · Loan Officer NMLS #1264121 Office: (484) 209-4729

Founder, mentor, and female-empowerment advocate. Kirstie built Empower on a simple promise: educate and empower every client to make the best decision for their family's financial future.

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Born in Chester County and raised in Hatfield, Kirstie graduated from North Penn High School and earned her cosmetology license in 2004, working in Pennsylvania and New York salons for ten years before pursuing a career in finance. At a local bank she earned her Law and Banking and Principles of Banking designations through the American Bankers Association and created and taught training programs across departments. She went on to obtain her mortgage license with two Philadelphia-area correspondent mortgage companies, where consistent, ethical standards and client education became her calling. As a single mother of two, she specializes in guiding families through life's biggest transitions — marriage, a new baby, divorce, loss, or retirement — with patience and care.

Dr. Ruqayyah Archie, Mortgage Loan Originator
Dr. Ruqayyah Archie Mortgage Loan Originator NMLS #2084301 Office: (267) 781-5601

Business and accounting educator with 15+ years of financial expertise — an MBA in Controllership, an MS in Professional Accounting, and doctoral studies in Educational Leadership.

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Dr. Archie served as Department Chair at the Community College of Philadelphia, where she spearheaded the creation of Real Estate and Insurance certificate programs — building a strong foundation in property transactions and risk management. A licensed Mortgage Loan Originator since 2024 and a licensed real estate agent, she has prepared and reviewed business and personal tax returns, managed collateral performance and financial reporting, and supervised accounts receivable and payable functions. That blend of tax expertise, credit analysis, and operational leadership lets her evaluate borrowers' financial profiles holistically and explain the implications of every loan product. Her student-centered approach helps first-time homebuyers and seasoned investors alike navigate the mortgage process with clarity and confidence.

Chevion Cooper, Mortgage Loan Originator
Chevion Cooper Mortgage Loan Originator NMLS #2491842 Office: (610) 422-8144

First-time homebuyer specialist known for patience, plain language, and purpose — helping clients feel informed, supported, and confident from application through closing.

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Coming from humble beginnings and as a mother herself, Chevion understands how significant the decision to purchase a home can be. She entered mortgage lending after seeing firsthand how many buyers felt confused, unheard, or unable to get clear answers during one of the most important financial moments of their lives — and set out to offer a more accessible, responsive, education-focused approach. Chevion works closely with clients to review income, credit, and assets, identify potential obstacles early, and create a clear path forward, collaborating with agents to keep transactions moving smoothly. She is committed to ethical guidance, consistent communication, and a supportive lending experience — especially for first-time buyers.

Ready when you are

Let's get you home.

Apply online in minutes, book a call that fits your schedule, or just pick up the phone — we'd love to hear about the home you're dreaming of.

Apply now Book a call Call (484) 209-4729