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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

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.

Google 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

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

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

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!!!

Google Reviews

Virgil D.

Very professional and knowledgeable. EMC was able to help me close with my short time restraint. Communication was awesome, me working the night shift they were still able to assist me and get my questions back quickly. Thank you for all your help Joe Siribandan

Yelp 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

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

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

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

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

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

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.

Google Reviews

Jerry Solak

E Mortgage Capital was very easy to work with. Our agent helped us through the process and moved things quickly along. We were able to complete the Refi in about 3 weeks, considering our Refi was a little complicated. I would definitely recommend E Mortgage Capital as a company to work with and their knowledgeable staff.

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

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

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.

Google 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

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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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Career Opportunities

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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.