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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
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.
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!
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
Alex Rivas
Great experience with E Mortgage Capital while purchasing a home. The team was fantastic staying on top of of everything and promptly answering all my questions along the way. Darren Kidder and Carol Cameron have outstanding communication. They quickly returned my calls or emails even at all hours of the day. I highly recommend doing business with E Mortgage Capital.
Andrew Hoglund
Phil, Nicole and the rest of the E Mortgage team were great! They were very knowledgeable and helpful any time we had questions or weren’t sure about something. They were highly responsive and made sure we were clear on everything as we signed documents. They were able to get us the best financing of anyone we contacted. I will definitely be using them in the future and I would highly recommend them to anyone looking for financing.
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
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!
Bertha A.
The process of refinancing my home was extremely smooth and simple. Although the appraisal didn't come in at what I expected, the lender was amazing in doing everything they could to help. Nico was extremely knowledgeable and professional and I appreciate his patience and answering all of my questions. Fred was very helpful and made sure to keep me informed. I definitely would recommend E Mortgage Capital to anyone in the market. Thank you
Peter Bretz
I was reffered to E Capital Mortgage from a good friend and co-worker. I couldn't have been more pleased with the experience that we had throughout the entire process with David and his team! They were professional, easy to work with, communicated extremely well through the entire process, and made it simple. If you are looking to purchase a home or refinance, they should definitely be your choice!!!
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.
Sarah T.
Chayson made the experience very smooth, explained everything we needed to know and took the time to make sure we had everything we needed for a successful transaction.
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!
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 :)
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.
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!
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!
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.
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!
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
Alex Rivas
Great experience with E Mortgage Capital while purchasing a home. The team was fantastic staying on top of of everything and promptly answering all my questions along the way. Darren Kidder and Carol Cameron have outstanding communication. They quickly returned my calls or emails even at all hours of the day. I highly recommend doing business with E Mortgage Capital.
Andrew Hoglund
Phil, Nicole and the rest of the E Mortgage team were great! They were very knowledgeable and helpful any time we had questions or weren’t sure about something. They were highly responsive and made sure we were clear on everything as we signed documents. They were able to get us the best financing of anyone we contacted. I will definitely be using them in the future and I would highly recommend them to anyone looking for financing.
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
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!
Bertha A.
The process of refinancing my home was extremely smooth and simple. Although the appraisal didn't come in at what I expected, the lender was amazing in doing everything they could to help. Nico was extremely knowledgeable and professional and I appreciate his patience and answering all of my questions. Fred was very helpful and made sure to keep me informed. I definitely would recommend E Mortgage Capital to anyone in the market. Thank you
Peter Bretz
I was reffered to E Capital Mortgage from a good friend and co-worker. I couldn't have been more pleased with the experience that we had throughout the entire process with David and his team! They were professional, easy to work with, communicated extremely well through the entire process, and made it simple. If you are looking to purchase a home or refinance, they should definitely be your choice!!!
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.
Sarah T.
Chayson made the experience very smooth, explained everything we needed to know and took the time to make sure we had everything we needed for a successful transaction.
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!
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 :)
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.
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!
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.