E Mortgage Capital Reviews

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Edited by: Amanda Futrell

About E Mortgage Capital

E Mortgage Capital is a family-owned and -operated mortgage broker that was established in 2015 and is headquartered in Irvine, California. The company is a licensed mortgage broker in 47 states. E Mortgage Capital offers both conventional residential loans and government-backed options, including VA, Federal Housing Administration (FHA) and U.S. Department of Agriculture (USDA) mortgages.

Pros
  • Licensed in 47 states
  • Government-backed mortgages available
  • Short approval and closing timelines
Cons
  • Limited info on website
  • Rates not published online

What is E Mortgage Capital?

E Mortgage Capital is a mortgage broker based in Irvine, California, dealing primarily in conventional and government-backed residential loans. The company has been in business since 2015 and works with 600 loan agents across the country. It also offers a digital application process.

Although E Mortgage Capital has its most extensive network of loan officers in California, it’s a licensed broker in 47 U.S. states.

E Mortgage Capital application process

To get started with a home loan, you can either call or email the company directly or select the “Get Started” option at the top of the page. You’ll enter your ZIP code, name, email address, phone number and answer some questions about what kind of loan you’re looking for. After that, you’ll be contacted by a loan officer. The lender will provide you with a link to begin your online application.

Once you’ve applied, you can check your application status through your online account or contact your loan officer.

E Mortgage Capital states that loan approvals take 15 minutes and refinance loans close in as few as 10 days.

E Mortgage Capital application features

E Mortgage Capital rates

E Mortgage Capital’s rates aren’t listed online, so the only way to see what rates you qualify for is to apply directly for prequalification. The prequalification process won’t negatively impact your credit score.

» MORE: Current mortgage rates — check today’s rates

E Mortgage Capital loan types

E Mortgage Capital offers several types of loans, including:

  • Conventional loans: Standard loans that meet Fannie Mae and Freddie Mac rules, with terms of eight to 30 years
  • Construction loans: Financing for building a new home or completing major renovations
  • Home equity lines of credit: Revolving credit line secured by your home’s equity, similar to a credit card
  • Jumbo loans: For larger loans that exceed the conventional loan limits, which in 2025 is $806,500 for most areas
  • Nonqualified mortgages (non-QMs): Let self-employed and other nontraditional borrowers use alternative income documentation
  • Reverse mortgages: Let homeowners 62 and older convert home equity into cash with no monthly mortgage payments

E Mortgage Capital focuses primarily on conventional residential loans, but also offers three of the most popular government-backed loans.

  • FHA loans: Loans backed by the Federal Housing Administration, featuring low down payments and more lenient borrower requirements
  • USDA loans: Loans backed by the U.S. Department of Agriculture for rural borrowers with no down payment options
  • VA loans: Loans backed by the U.S. Department of Veterans Affairs with no down payment options and more lenient borrower requirements

E Mortgage Capital requirements

E Mortgage Capital requires a minimum credit score of 620 for conventional loans, though government-backed loan programs sometimes allow scores as low as 500.

Other borrower requirements will vary and can depend on factors like:

  • Credit score
  • Debt-to-income ratio
  • Down payment amount
  • Income
  • Loan-to-value ratio 
  • Location of the property

» FIND OUT: What is a good debt-to-income ratio for a mortgage?

E Mortgage Capital cost and fees

E Mortgage Capital told us it doesn’t publish its costs and fees, since these depend on the borrower, their location and the terms of the loan.

E Mortgage Capital FAQ

How does E Mortgage Capital work?

E Mortgage Capital is a mortgage broker that offers conventional and government-backed home loans. Interested borrowers can contact a loan officer directly or complete their application online.

Is E Mortgage Capital legit?

Yes, E Mortgage Capital is a legitimate company that’s been serving borrowers across the country since 2015.

Where is E Mortgage Capital available?

E Mortgage Capital is available in all states except New York, Massachusetts and Vermont.

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E Mortgage Capital Company Information

Company Name:
E Mortgage Capital
Address:
18071 Fitch Ste. 200
City:
Irvine
State/Province:
CA
Postal Code:
92614
Country:
United States
Website:
www.emortgagecapital.com