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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 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

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

We have a surprise for you

Download our free Ebook

Learn more about how to buy a home in summer!

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Our User Review

What our clients are saying about us

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.

Google Reviews

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!

Google Reviews

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!

Google Reviews

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!

Google Reviews

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.

Google Reviews

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

Google Reviews

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.

Google Reviews

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!

Google Reviews

Read more about our reviews here

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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Find offices near you

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

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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.