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Home Loans

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.

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Refinance

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.

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How we Compare

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.

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

Select home loan
1

Get in Touch

Choose a loan professional near you

Get in touch
2

Select your Home Loan

Customize the perfect loan for your needs

Calendar
3

Obtain your Mortgage

Close your loan in as little as 10 days

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Our User Review

What our clients are saying about us

Sam W.

10/10 would recommend. They really go above and beyond. Amazing service and communication. They were able to complete a cash-out refi and close on a new purchase investment property for me in about 30 days.

Yelp Reviews

Susan Acosta

My experience was excellent. I highly recommend E Mortgage Capital. I am sure no one else could have pulled this off. I was given great ideas and was kept in the loop through the entire experience. My loan was not easy. Being a business owner complicates the process no matter how much you make. Thank you, thank you. I am a client for life.

Google Reviews

Barbara Chase

This mortgage company is one of the best that I have ever worked with in 20 years. They have completed two refinances that were complicated but their team stayed on task everyday with excellent communication and results. They are extremely dedicated, honest and demonstrate a talent to quickly problem solve to make the process seamlessly easy! The best part is that, from the very beginning, they had a solid game plan to save me money and still accomplish our goal in record time!

Google Reviews

Megan F.

Phil, Lauren and their team are wonderful to work with! This was my first time securing a loan and they were patient in answering all of my questions, accommodating and got me the best rates! I am thrilled with my experience and will definitely work with this team in the future, thanks Phil, Lauren and Nicole!

Yelp Reviews

Richard Lopez

Best decision we've made was to go with E Mortgage. Awesome customer service, very smooth transactions and extremely professional. We love how they locked in the lowest possible rate that we were told by other companies we could not get. If you are having a difficult time whether purchasing a new home or refinancing give them a try you will be surprised by them.

Google Reviews

Betty Walker

The staff at E Mortgage Capital made my experience with refinancing my home loan quick, easy and stress free. They were very professional & knowledgeable and always treated me like a friend & part of their family. I can't say enough about Joe & his staff especially Carol who kept me informed from beginning to end. I used E Mortgage Capital a few yrs ago to help me with a home loan and it is always like coming back home to family. I have always had such a positive experience working with E Mortgage Capital that I recommend them to all my friends & family. B. Walker

Google Reviews

Beth Lawson

Our loan officer, Julia, was awesome! She made the refinance of our house very simple. She was knowledgeable and honest, which I found very refreshing. The company made things very simple and they are very organized. Our signing happened when we were available and they came to us! Highly recommend Julia and her team at E Mortgage Capital for your home financing needs. The whole team was awesome!

Google Reviews

Alex H.

Fantastic company and team of professionals. Knowledgeable, diligent and super friendly. They make a potentially troublesome process as easy and beneficial for you as possible. Don't bother going anywhere else, just use these guys!

Yelp Reviews

Roya J.

Kevin Kwak and his team at E Mortgage Capital were amazing. Over the years we've bought, sold or refinanced at least three dozen times and this was by far the most upfront, easiest and fastest refinance.

Yelp Reviews

Khoa N.

Fantastic lender. It's a once in a lifetime opportunity to get rate this low and E Mortgage did an awesome job streamlining the process to make it headache-free for everyone. I'm glad to have had a professional team on my side.Thank you, Abraham and Carol for your help throughout the process. You guys make a great team. I'll definitely recommend E Mortgage to my friends and family

Yelp Reviews

Rachel C.

This company was a dream to work with. Brandon Maddy was our loan officer who helped guide us through the purchase of our first investment property and we can't say enough great things about him and the team at E Mortgage. We'll be going through them moving forward!

Yelp Reviews

Carri-Anne Wilde

Tony did an amazing job helping us with our mortgage loan from start to finish. He made himself available by phone, text, and email and always responded in a timely manner. We closed on time and the entire process was stress free! I highly recommend Tony with E Mortgage Capital!

Google Reviews

David R.

Kelle M. was amazing!! She was very professional and her attention to detail was paramount for us.  This was my wife and I first experience of buying a home and couldn't have asked for anyone better!!

Yelp Reviews

Elva Rama

My experience with E Mortgage Capital has been excellent. This is the second time that I use them because they are very professional. Tony Yu is an extremely caring, conscientious and professional. He always listens to what I what to do and understands my future plans. He is very professional and delivers on his promises. I highly recommend him to anyone that is looking to re finance or purchase a home.

Google Reviews

Zach P.

David is very nice and professional.  He answered every question I had and made sure I understood the process.  Made it as easy as possible.

Yelp Reviews

Nancy Lockhart

Kevin Phan was very hands on and informative every step of the lending process. He kept us updated and answered every question we had, even when we asked it multiple times. I would definitely recommend him for a more personalized experience or if you just want to learn more about the process along the way. The rates he offers are very competitive as well and he’s upfront about all of his fees, if any. We will definitely be refinancing with him when the time comes. Oh yeah, we were also able close well before 21 days!! Our closing pizza party :)

Google Reviews

Leilani Hockett

Working with E Mortgage Capital can you expect clear communication and great customer service. All my questions and concerns were answered and addressed very quickly. The process was smooth. Electronically signing documents helped keep the loan on track to close on time. I highly recommend E Mortgage Capital if you want to deal with direct lender when purchasing or refinancing your home loan. 5 star company.

Google Reviews

calvin bui

Sarah and E Mortgage Capital were great from beginning to end. She was very helpful and was always there to answer any questions I had along the way. They operated very timely and made the escrow process extremely smooth and pain free. She was also able to help me to get financing that no other lender was able to do. I called multiple other lenders including friends and no one was able to get me what she got me. I recommend them for your next financing. I will definitely use them again in the future.

Google Reviews

Sam W.

10/10 would recommend. They really go above and beyond. Amazing service and communication. They were able to complete a cash-out refi and close on a new purchase investment property for me in about 30 days.

Yelp Reviews

Susan Acosta

My experience was excellent. I highly recommend E Mortgage Capital. I am sure no one else could have pulled this off. I was given great ideas and was kept in the loop through the entire experience. My loan was not easy. Being a business owner complicates the process no matter how much you make. Thank you, thank you. I am a client for life.

Google Reviews

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Awards & Recognitions

From 2016 to today

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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.

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We are a California-based lender with a presence in 20+ states. Check if we are licensed in yours.

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E Mortgage Capital provides an opportunity to develop your career. If you are a self-starter and value relationships, then let's talk.