Our branch managers and loan officers carefully analyze your financial requests. E Mortgage Capital only offers the most up-to-date interest rates. Clients can choose between fixed or adjustable interest rates or combine both.
Step 1
Create your account
E Mortgage Capital is a full-service mortgage company that offers extensive options for home loans and refinancing solutions with quick round the clock and affordable rates
Step 2
Determine your mortgage eligibility
We will guide you through the evaluation process without any conditions, and which documents you must submit to calculate your eligibility.
Step 3
Get a Personalized Home Loan
After we evaluate your profile, assets, income, and provided you are eligible to apply, we will provide you with a tailor-made home loan within 14 days.
Advantages of a Personal Loan
When you pay back a home loan, you are actually investing in your own property and contributing to its increase in value
Mortgage rates are generally cheaper than paying rent. In most cases, you end up saving money on living expenses
If you select a fixed-rate option, you know for sure you will not have to face unexpected increases in your monthly payments (unlike periodic increases in rent bills by your landlord)
If you opt to refinance your current mortgage, you could obtain a new loan with a lower interest rate with more affordable monthly payments
Refinancing your debt also gives you the additional choice of a cash-out where you can pay any outstanding student or credit card debts. You can also invest this extra cash on a home improvement project.
Frequently Asked Questions About How EMortgage Capital Works
Can't find the answer you're looking for? Reach out to one of our qualified loan officers team.
How long does the process take?
If all the documentation is in order and no unexpected issues are encountered, the process from the initial contact to the refinance approval can take as little as 10 days.How can I get in touch with a loan officer?
We operate in and have licensed professionals in multiple states across the country.
You can contact us by email, phone or by filling out a contact form. You may also check out our list of loan officers on this website under the “Find a Loan Officer” page.
One of our licensed professionals will be more than delighted to reach out and assist you.
Awards & Recognitions
From 2016 to today
Our Users Review
What our Clients are saying about us
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.
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
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.
Faith Elizabeth Garton
Working with Gregory Wagner and Drew Cooper has to be the best experience with a mortgage company I’ve had. I had numerous companies lie to me, run my credit and income even when they said they wouldn’t. I also had them try to charge outrageous fees. Gregory went above and beyond to make this process as smooth as we could. We had some bumps in the road, but we tackled them together and pushed through. I wouldn’t give my business to anyone else!! He’s my mortgage guy!!
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
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
Claudia C.
I am very pleased with my entire refinance process. I just closed on the refi and wanted to take a moment to praise my loan officer Kevin Nguyen. I know communication is so important in these things and Kevin was exceptional. His responses were prompt and kept me up to date. He made it so stress free, I did not feel rushed at all. He gave me the best rate, was honest and at the same time did very well in getting everything I wanted. Big thanks to Kevin Nguyen and I will be recommending him and E Mortgage Capital to family and friends!
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.
Eliot 930
Kurtis was the most helpful mortgage broker I have ever encountered. He helped me get the refinance that was needed to proceed with scheduled home improvement projects. We now have new siding, better insulation, a lovely deck, and a "She Shed" that became my remote office. It was a smooth process and even allowed us to be in a conventional loan with equity!
Confidence Nwaeze
I’m humbled and grateful. The lord have enriched me in every way, I'm generous on every occasion, through Mrs Emily Alison . My generosity have resulted to thanksgiving to God. The lord is always on my side, He sent Emily Binary trader who helped me to handle and secure my trade for me after, i invested $1,000 and in a week she made $10,150 profit. Jesus made this possible, You want to be happy and bill free like me do well to reach out to her via WhatsApp: +1(434) 373‑2110 Email: emilyalison691@gmail.com Telegram:@Emilyalison691
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.
Janell Anderson
My experience with E Mortgage Capital was very positive. Nancy Bayat is amazing. The process was very straight forward, and the E Mortgage Capital team was very professional. Nancy worked diligently to help me find the best loan product available, presented me with my options and remained patient during my decision making. She and her team were always available to answer questions and help navigate the process. This was my second time doing business with E Mortgage Capital and on both occasions, I received stellar service.
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.
Mïïnd Yøurr Øwn Büsiinëss
I saw a page review about Mrs Sophia James fx and I must confess that She is a good trader and best in her field as they said, She managed my account after I invested $1000 and i got $10,200 within few day's of investment I was so shocked, with Mrs Sophia James fx, your money is 100% secured, Trust me you have nothing to lose You can contact her via Email: sophiajames0122@gmail.com WhatsApp no: +14156907034
Linda Smith Roman
Patrick and Breann could not have made this process any easier. The communication was a top priority.
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!
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!
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.
Kartik Patel
Tyler, Al, and Ameer were amazing to deal with at E Mortgage Capital. The process was quick and straight forward. They were all very professional and in constant contact with me to make sure everything went smoothly and we closed on our refinancing without issues. I would definitely work with them again in the future and highly recommend them to anyone else.
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!
Read more about our reviews here
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!
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.
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
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.
Faith Elizabeth Garton
Working with Gregory Wagner and Drew Cooper has to be the best experience with a mortgage company I’ve had. I had numerous companies lie to me, run my credit and income even when they said they wouldn’t. I also had them try to charge outrageous fees. Gregory went above and beyond to make this process as smooth as we could. We had some bumps in the road, but we tackled them together and pushed through. I wouldn’t give my business to anyone else!! He’s my mortgage guy!!
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
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
Claudia C.
I am very pleased with my entire refinance process. I just closed on the refi and wanted to take a moment to praise my loan officer Kevin Nguyen. I know communication is so important in these things and Kevin was exceptional. His responses were prompt and kept me up to date. He made it so stress free, I did not feel rushed at all. He gave me the best rate, was honest and at the same time did very well in getting everything I wanted. Big thanks to Kevin Nguyen and I will be recommending him and E Mortgage Capital to family and friends!
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.
Eliot 930
Kurtis was the most helpful mortgage broker I have ever encountered. He helped me get the refinance that was needed to proceed with scheduled home improvement projects. We now have new siding, better insulation, a lovely deck, and a "She Shed" that became my remote office. It was a smooth process and even allowed us to be in a conventional loan with equity!
Confidence Nwaeze
I’m humbled and grateful. The lord have enriched me in every way, I'm generous on every occasion, through Mrs Emily Alison . My generosity have resulted to thanksgiving to God. The lord is always on my side, He sent Emily Binary trader who helped me to handle and secure my trade for me after, i invested $1,000 and in a week she made $10,150 profit. Jesus made this possible, You want to be happy and bill free like me do well to reach out to her via WhatsApp: +1(434) 373‑2110 Email: emilyalison691@gmail.com Telegram:@Emilyalison691
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.
Janell Anderson
My experience with E Mortgage Capital was very positive. Nancy Bayat is amazing. The process was very straight forward, and the E Mortgage Capital team was very professional. Nancy worked diligently to help me find the best loan product available, presented me with my options and remained patient during my decision making. She and her team were always available to answer questions and help navigate the process. This was my second time doing business with E Mortgage Capital and on both occasions, I received stellar service.
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.
Mïïnd Yøurr Øwn Büsiinëss
I saw a page review about Mrs Sophia James fx and I must confess that She is a good trader and best in her field as they said, She managed my account after I invested $1000 and i got $10,200 within few day's of investment I was so shocked, with Mrs Sophia James fx, your money is 100% secured, Trust me you have nothing to lose You can contact her via Email: sophiajames0122@gmail.com WhatsApp no: +14156907034
Linda Smith Roman
Patrick and Breann could not have made this process any easier. The communication was a top priority.
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!
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!
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.
Kartik Patel
Tyler, Al, and Ameer were amazing to deal with at E Mortgage Capital. The process was quick and straight forward. They were all very professional and in constant contact with me to make sure everything went smoothly and we closed on our refinancing without issues. I would definitely work with them again in the future and highly recommend them to anyone else.
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!
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.
Read more about our reviews here