Saved to Favorites

(949) 939-3029Visit WebsiteMap & Directions1800 E. Garry Ave. Suite 112Santa Ana, CA 92705Write a Review

More Info

Financing the Future

General Info
For over 10 years, E Mortgage Capital has been a respected mortgage company with the most competitive rates interest rates in the market, boasting a level of customer service most often associated with small local lenders. E Mortgage Capital has now taken its commitment to customer service and diverse mortgage options and expanded to add a multi-cultural lending division. This expansion allows us to offer individual borrowers who in most situations would have never qualified for a great mortgage loan, the flexibility of obtaining one of E Mortgage Capital’s many mortgage products by working directly with the staff of E Mortgage Capital. We are able to accomplish this using many credit solutions we offer to our clients at absolutely no cost.
Email
Extra Phones

TollFree: (855) 569-3700

Services/Products
* Home Purchases * FHA Loans * Jumbo Mortgages * Reverse Mortgages * VA Loans * Refinances * Cash out Options * 1/2% Down Needed for Purchase
Location
Serving all of Colorado and California
Neighborhoods
Freeway Window, Irvine Business Complex
Amenities
●Mortgage Purchase & Refinance Loans. ●FHA Purchase up to 96.5% ●VA Purchase up to 100% ●FNMA Purchase up to 97% ● 89.90% CLTV combo up to $1,000,000 with a 720 (mid) – NO MI ● Jumbo 90% (250k above the county limit- max $875,500) ● 97% conforming W/ MI ● Asset Utilization (Purchase or R/T only – 5/1, 7/1 OR 10/1 Arm only) 720 (mid) ● 70% of retirement assets ● TBD Properties ● Stated Income loans ● Bank statement only programs ● Jumbo Programs up to $2 million and $3.5 on an exception basis ● Financed up to 10 properties ● Condos up to 95% W/ Great MI Rates ● FHA, VA, HARP, FICOS down to 500 ● Great Service ● Quick Turn Times ● Direct Access to u/w ● You can order your appraisals upfront – *no submission required – Call me for details.
Accreditation

BRE, DORA, NMLS, OCAR, CAR, NAR, NAHREP

Associations
Licensed with Colorado Division of Real Estate MLO#100055707 Licensed with California Department of Real Estate BRE #01704228 Licensed under National Mortgage Licensing and Registry NMLS # 849167 Affiliated with Orange County Association of Real Estate Affiliated with National Association of Real Estate
Categories

Reviews

Hi there!
Rate this business!
What do you rate this business?First-classBetter than mostAbout what I expectedNot the worst...Disappointing
Click to Rate
EV
Elena V.

03/28/2018

Overall
Expertise
Service

Top of the line customer service and promises kept by E Mortgage Capital. My mortgage refinance was approved and because of that I was able to get more money for my home. Joseph and crew are very reliable and professional to work with. They won't let you down when it comes to reliability and approval.

BC
Ben C.

03/28/2018

Overall
Expertise
Service

E Mortgage Capital has provided me with the most satisfying home mortgage amount. I talked with Joseph and he was spot on. He's 100% professional and accommodating towards your needs. If you're looking for someone that will work with you and not against you for your home mortgage needs than I'd recommend turning to E Mortgage Capital. They won't disappoint you!

KB
Kimberly B.

03/22/2016

Overall

The group made the fund strategy clear for me.Initially, they drew closer me concerning the lower rates and additional reserve funds available. That time I was not in the state to go to every one of the gatherings as I was away however the group worked around my timetable to complete things in a productive and proper way .Everyone was to a great degree valuable all through the applying technique. They truly controlled everything from tip to toe . I would prescribe this to each home purchasers , this is the thing that you require . You are at the opportune spot .

AT
Ahmad T.

01/01/2016

Overall

I would like to thank E-Mortgage Capital for making my refinance one of the easiest and quickest I have ever had. This is the first time I can say without any hesitation that the refinance was a pleasure. E Mortgage Capital seemed very eager to assist and follow up regularly throughout the process. I would definitely recommend E Mortgage Capital to others.

MK
Makato K.

12/21/2015

Overall

I just want to start off by saying how awesome Joseph is. Joseph helped my husband and I get a great loan with a fantastically low rate. We could not be happier with the service and his level of professionalism. It was such a smooth and easy process! I have referred him to all of my friends. I would recommend him to anyone who is looking to refinance their loan!

AG
Alice G.

12/21/2015

Overall

I got the opportunity to work with a great team of professionals who worked around my schedule and helped me with what I needed. I was recommended to E Mortgage Cap. through a friend of mine who had a great experience themselves. They helped me refinance my loan quickly, easily, and professionally. I couldn’t have asked for more. Thanks!

HK
Hemla K.

12/19/2015

Overall

I would recommend E Mortgage Capital to anyone, Great people. They stay on top of everything! They care about your deal and strive to get it done. i thank E Mortgage Capital for the opportunity they have given me.

WK
Warren K.

12/09/2015

Overall

E Mortgage Capital is one of the best companies I have come across. The team is professional, timely, and thorough. I approached them for a home loan I needed to be refinanced. Not only did they exceed my expectations in getting my interest rate significantly reduced, they made the process very easy and enjoyable. I would definitely recommend for all who are looking to get the most competitive interest rates with the highest level of customer service!

CC
Celyn C.

12/09/2015

Overall

I was a first time home buyer and skeptical picking between multiple companies, agents, and brokers. I met with Joe, and I saw his knowledge and willingness to help me through this due diligent process. He always picks up the phone for a question and is not afraid of telling you the truth. I would recommend for all buyers.

SC
Samuel C.

11/25/2015

Overall

They helped us in determining which fixed rate mortgage was best to choose from, bringing our monthly payments down and saving us money in interest payment. It is always a pleasure to work with professionals that know their onions.

Details

Phone: (949) 939-3029

Address: 1800 E. Garry Ave. Suite 112, Santa Ana, CA 92705

Website: https://emortgage.online/#

People Also Viewed