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What’s the difference?

Home Loans
vs
Refinance

We offer low interest rates and a personalized customer service.

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.

Schedule a Call

We provide competitive loan and refinance solutions at competitive rates. Get in touch and let us know how we can help you.

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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

S Jason Cybulski

Tom Chioles was our main contact. He explained everything from the start...what to expect and how to go about the process with no pressure! Appreciated his best shot up front and easiness in dealing with the company as a whole...closed in less than 3 weeks! Wow!

Facebook Reviews

Kelly Cunningham

I refinanced my home with E Mortgage Capital and I had a great experience with Sara and Patrick. They found me a great rate and I closed in 30 days. The process was easy and seamless. I was able to sign all my documents through their online system and close at the convince of my own home.

Google Reviews

M Walters

Elliott and his team at E Mortgage Capital were knowledgeable, professional, responsive and were able to close on our refinance in less than a month at a very competitive rate. I would definitely recommend them.

Zillow Reviews

Andrea K.

We have been in our home for 4 years and with the low rates combined with all of the upgrades, we were sure our home would appraise well and take advantage of those rates. The E Capital team was promptly responsive to all of my split hair questions and were quick to provide paperwork when needed.

BBB Reviews

Ossil V. Macavinta

I had a great experience with knowledgeable professionals that made the process smooth from beginning to end...thank you Brian, Nicole, Alexis and the E-Mortgage Team❤️🙏🏽‼️😊👍

Facebook Reviews

Elizabeth Wood

Great experience . Very knowledgeable people and made everything go smoothly from beginning to end!

Facebook Reviews

Courtney Bergk

Our loan officer John Lehmann truly made this the most seamless process I could have ever imagined. I am in the mortgage industry and was SHOCKED at how easy this process was. If you are looking to purchase I couldn't imagine a better loan officer than John! An absolute dream.

Google Reviews

Michele Seese

We had a great experience with Joe Patrick and E Mortgage. Everything went exactly as expected and we closed very quickly. I would highly recommend them. Communication was excellent. Joe is very informative and easy to work with.

Google Reviews

Kristen M

I had an excellent experience with my refinance. Chase helped me and he was knowledgeable and always available. I would highly recommend.

BBB Reviews

Jose Arenas

Lawrence went above and beyond what I had expected. He was easy to reach if I had any questions and took the time to run me through my options. He is very knowledgeable in his field and a true professional. I will be sending everyone I know his way. Thanks again Lawrence.

Zillow Reviews

Gene Yunt

Easy to work with from a distance. Professional conduct. Quick answers to questions. No unwelcome surprises. I highly recommend.

Facebook Reviews

Alexandra Onosova

Thank you, Kevin, for making my refinance a breeze! It was an example of efficiency! Amazing. I worked with other refinancers but none reached Kevin’s level.

Zillow Reviews

Renee England

E Mortgage Capital and Taz were great to work with! Taz helped walk me through all the steps as a first time home buyer and followed up consistently to make sure I was comfortable with the process. Highly recommend!

Google Reviews

Lloyd M

Pretty efficient very good on returning calls and emails promptly and got everything done right around the time today said that they would I was very satisfied

BBB Reviews

Robert W. Reillyon

We are very happy with our service and the rate at which things got done. Thanks Lawrence it was a great experience and made our mortgage refinance a breeze.

Zillow Reviews

Jordan Cote

E mortgage is amazing, they got me 40 times what rocket mortgage said they could get me on my refi, They worked faster then rocket mortgage they were just a million times better, I would highly Recommend.

Google Reviews

S Jason Cybulski

Tom Chioles was our main contact. He explained everything from the start...what to expect and how to go about the process with no pressure! Appreciated his best shot up front and easiness in dealing with the company as a whole...closed in less than 3 weeks! Wow!

Facebook Reviews

Kelly Cunningham

I refinanced my home with E Mortgage Capital and I had a great experience with Sara and Patrick. They found me a great rate and I closed in 30 days. The process was easy and seamless. I was able to sign all my documents through their online system and close at the convince of my own home.

Google Reviews

Read more about our reviews here

Awards & Recognitions

From 2016 to today

Contact Us

Loan officers ready to help you

We have over 1500 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.