About EMPP

About EMPP

EMPP, Inc. is a family-owned and family-managed corporation that provides debt reduction and payment processing services to homeowners through financial institutions, small and large businesses, alumni associations, and membership-based organizations nationwide. The Early Mortgage Pay-Off Plan is a biweekly mortgage acceleration program offered exclusively by EMPP, Inc.

Track Record of Success

Based in Scottsdale, Arizona, EMPP began offering the Early Mortgage Pay-Off Plan in December 1991. We have helped hundreds of thousands of homeowners save significant amounts of mortgage interest and build equity in their homes faster.

Relationships With Global Financial Institutions

EMPP has offered its unique program through a wide variety of banks, mortgage lenders and other organizations, including:

  • Bank One
  • Charter One Mortgage
  • CitFed Mortgage
  • Express America Mortgage
  • Fifth Third Bank
  • First Bank & Trust
  • First Indiana Bank
  • First USA
  • Jupiter Mortgage
  • M-West Mortgage
  • PrimeWest Mortgage
  • STM Mortgage
  • The Leader Mortgage Company
  • Trustcorp Mortgage
  • Valley National Bank
  • Zions Mortgage

Experienced Management

EMPP is led by experienced senior executives whose skills encompass administration, banking, customer service, information technology, marketing and sales.

  • Clifford Bendau, Sr., President and CEO. Cliff Bendau has 35 years of experience in mortgage banking, mortgage brokerage, and bank marketing. He conceptualized and founded EMPP in 1992, and implemented and administered the company's biweekly mortgage payment program at over 40 large and medium-sized financial institutions.
  • James Trepinski, Senior Vice President. Jim Trepinski has 48 years of experience in every phase of mortgage banking, including 34 years as a senior executive and 16 years as Chief Executive Officer.
  • Marvin Bendau, Executive Vice President. Marv Bendau has 55 years of experience in all aspects of mortgage banking, mortgage brokerage, and real estate finance. He is also an Attorney at Law licensed in Arizona and Ohio.
  • Deborah Bell, Vice President, Customer Service. Deborah Bell has 35 years of customer service experience in banking and related financial service industries.
  • Serge van Neck, Vice President, Information Technology. Serge van Neck has 21 years of experience in software systems engineering and networking.

EMPP As An Employee or Member Benefit

The EMPP program is an exceptional benefit that companies and associations of all kinds and sizes can offer to their employees and members without cost. Learn more about our employee & member benefit programs.

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