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

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!

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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.

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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

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Awards & Recognitions

From 2016 to today

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