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Buy a Home
Tailor-made loans for new house owners to purchase their dream house.
You can opt for different options without any hassle such as fixed or variable interest rates to match your own financing needs.
Refinance
Homeowners have the possibility to refinance their current mortgage payments.
Borrowers can choose hassle-free between a list of benefits to refinancing their mortgage.
How we stand out
We strive to offer unparalleled service to our borrowers. This includes a lean and simple process, a dedicated loan officer who can offer different customizable loan options with very attractive payment terms.
15-minute loan approvals
FICO options down to 500
Non-QM & No income options
Flex rate options
Access to multiple lenders and investors
Reverse & Reverse Jumbo options
Access to Down Payment
Assistance programs
Bank Statement
Loan options
We provide competitive loan and refinance solutions at competitive rates. Get in touch and let us know how we can help you.
How it works
Step by step process to your Home Loan
Whether you are seeking to save money on your current mortgage, obtain cash for a home improvement or become a homeowner we can help you. Get in touch and we will assist you hassle-free
Get in Touch
Choose a loan professional near you
Select your Home Loan
Customize the perfect loan for your needs
Obtain your Mortgage
Close your loan in as little as 10 days
We have a surprise for you
Download our free Ebook
Learn more about how to buy a home in summer!
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Read more about our reviews here
Awards & Recognitions
From 2016 to today
Contact Us
Loan officers ready to help you
We have loan officers ready to guide you through the most suited home loan option for you and which documentation you should provide.
Find a Loan Officer >>Find offices near you
We are a California-based lender with a presence in 20+ states. Check if we are licensed in yours.
Find a Office >>Career Opportunities
Join the E Mortgage Capital Family!
E Mortgage Capital provides an opportunity to develop your career. If you are a self-starter and value relationships, then let's talk.
Our User Review
What our clients are saying about us
Ana
Sam has been great for us from day 1 to the closing date. He made sure that we understand the terms and helped us on various options to make it easier for us to afford buying a house. Also, Cathy is very responsive and responsible. She was on top of the leg work and did an amazing job. I totally 100% recommend this company. I felt I found a partner throughout the whole process and very satisfied with the level of service!
Shea S. (Birdie)
I can not say enough good things about Dennis Angstrom and his whole team. They are so professional and they always go the extra mile to make sure you get the best mortgage out there. The team is always available to reach with any questions or concerns you may have. I always feel better after talking to them knowing I am in the most qualified hands out there on the market. Definitely would recommend!
Domenica Stuckey
This was a great experience! Patrick and his team are super responsive and can get a mortgage closed quickly. This process can be a little overwhelming with all of the information that you have to provide, but Patrick and Bre answered all of my questions quickly and made sure we had everything we needed right on time. I have already recommended them to several people and will continue to do so!
Jose Gonzalez
Mr. Serrano was truly exceptional. We were impressed with his professionalism. Victor was always available at any time to answer our questions. Victor and his team was able to get everything done in 2 weeks since our vacation was the last 2 weeks of escrow. Crazy fast!! He was very responsive and attentive. He was able to work out a great deal on our loan. His knowledge of the market, strategic mindset, kindness, good energy made our first home purchase very simple. Calling Victor for our refin and future home purchases in the future.
aaron gonzales
Andrew Nikiforoff and Mark Kontar helped me out a ton. This was my first home purchase and they were able to help me get approved for the amount I needed as well as get me the best APR. They checked in to give me an update on their process with very clear communications. really appreciate all the help they were and the overtime they put in to ensure a successful home purchase. I had some delays on closing(none of which their fault) due to POA and legal things but they were able to expeditiously write up papers I needed. Really appreciate them. My wife and I couldn’t be happier
Louise Woelkers
Darren Kidder of E Mortgage Capital is the very best loan officer ever! I have just had my second loan through him and he is amazing to work with! He is accurate, efficient, knows his business and keeps you informed every step of the way. He's very responsive. Your questions are important to him. If he's not immediately available, he gets back to you the same day, if not within the hour. He'll work hard for you. And besides that, he's a nice guy! I highly recommend him to anyone who needs a loan.
Louise Woelkers
Darren Kidder of E Mortgage Capital is the very best loan officer ever! I have just had my second loan through him and he is amazing to work with! He is accurate, efficient, knows his business and keeps you informed every step of the way. He's very responsive. Your questions are important to him. If he's not immediately available, he gets back to you the same day, if not within the hour. He'll work hard for you. And besides that, he's a nice guy! I highly recommend him to anyone who needs a loan.
Ana
Sam has been great for us from day 1 to the closing date. He made sure that we understand the terms and helped us on various options to make it easier for us to afford buying a house. Also, Cathy is very responsive and responsible. She was on top of the leg work and did an amazing job. I totally 100% recommend this company. I felt I found a partner throughout the whole process and very satisfied with the level of service!
Shea S. (Birdie)
I can not say enough good things about Dennis Angstrom and his whole team. They are so professional and they always go the extra mile to make sure you get the best mortgage out there. The team is always available to reach with any questions or concerns you may have. I always feel better after talking to them knowing I am in the most qualified hands out there on the market. Definitely would recommend!
Domenica Stuckey
This was a great experience! Patrick and his team are super responsive and can get a mortgage closed quickly. This process can be a little overwhelming with all of the information that you have to provide, but Patrick and Bre answered all of my questions quickly and made sure we had everything we needed right on time. I have already recommended them to several people and will continue to do so!
Jose Gonzalez
Mr. Serrano was truly exceptional. We were impressed with his professionalism. Victor was always available at any time to answer our questions. Victor and his team was able to get everything done in 2 weeks since our vacation was the last 2 weeks of escrow. Crazy fast!! He was very responsive and attentive. He was able to work out a great deal on our loan. His knowledge of the market, strategic mindset, kindness, good energy made our first home purchase very simple. Calling Victor for our refin and future home purchases in the future.
aaron gonzales
Andrew Nikiforoff and Mark Kontar helped me out a ton. This was my first home purchase and they were able to help me get approved for the amount I needed as well as get me the best APR. They checked in to give me an update on their process with very clear communications. really appreciate all the help they were and the overtime they put in to ensure a successful home purchase. I had some delays on closing(none of which their fault) due to POA and legal things but they were able to expeditiously write up papers I needed. Really appreciate them. My wife and I couldn’t be happier
Louise Woelkers
Darren Kidder of E Mortgage Capital is the very best loan officer ever! I have just had my second loan through him and he is amazing to work with! He is accurate, efficient, knows his business and keeps you informed every step of the way. He's very responsive. Your questions are important to him. If he's not immediately available, he gets back to you the same day, if not within the hour. He'll work hard for you. And besides that, he's a nice guy! I highly recommend him to anyone who needs a loan.
Ana
Sam has been great for us from day 1 to the closing date. He made sure that we understand the terms and helped us on various options to make it easier for us to afford buying a house. Also, Cathy is very responsive and responsible. She was on top of the leg work and did an amazing job. I totally 100% recommend this company. I felt I found a partner throughout the whole process and very satisfied with the level of service!