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

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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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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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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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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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.

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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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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!

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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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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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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.

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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!

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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.

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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.

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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.

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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.

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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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David R.

Kelle M. was amazing!! She was very professional and her attention to detail was paramount for us.  This was my wife and I first experience of buying a home and couldn't have asked for anyone better!!

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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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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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