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.

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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

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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.

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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.

Our Users Review

What our Clients are saying about us

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!

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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.

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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

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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.

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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!

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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!

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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 :)

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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.

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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

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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.

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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.

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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!!!

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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.

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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!

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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

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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!

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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!

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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.

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