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E Mortgage Capital
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E Mortgage Capital - 18071 Fitch. Irvine, CA 92614 - NMLS#1416824
Retire on your own terms.
Say goodbye to your mortgage payment!
Eliminate your mortgage payment entirely
Get cash at closing
Receive a lump sum, line of credit, or monthly disbursements
Jumbo loan? No problem.
Close a jumbo reverse mortgage with ease
No lender fees
Ask about no lender fees on proprietary reverses
Get reimbursed for your appraisal
Ask about getting your appraisal fee back at closing
Purchasing a new home?
Access to the lowest rates
Let us do the shopping with over 100 different lenders
Forget an escrow account
There's no penalty for paying your escrows separately
Close in 10 days
Close quicker with our state of the art technology
Put 15% down on your investment property
Most lenders will make you put down 20%
Get your loan approval in as little as 15 minutes
Get your rate locked and loan approval in minutes
Put 3.5% down on conventional loans
With HomeReady and HomePossible programs
No lender fee options
So you can bring less to the closing table
Put 3.5% down on jumbo loans
That's on any loan over $715,000 (varies by county)
Forget mortgage insurance
Get rid of mortgage insurance as long as you put 10% down
$0 down payment options
On VA, FHA, and USDA loans
Save and skip the appraisal
On conventional loans, we now offer desktop appraisal
Save and skip the appraisal
On conventional loans, we now offer desktop appraisal
Ask about lender credit to cover costs
Want to bring less out of pocket? Ask us about lender credit to help lower your total out of pocket
Thinking about a refinance?
Reduce your monthly payment
Lower your rate, lower your payment and pay less interest
Access to the lowest rates
Let us do the shopping with over 100 different lenders
Pay off your loan faster
Reduce your loan's term and pay less interest
Close in 10 days
Close quicker with our state of the art technology
Tap into your equity
Use your equity to make improvements or consolidate debt
Get your loan approval within 15 minutes
Get your rate locked and loan approval in minutes
Close without an appraisal
Ask your loan officer if you qualify for an appraisal waiver
No lender fee options
And pay nothing out of pocket at the closing table
Tap into your home's equity.
Home equity line of credit
Low fixed rate for 10 years with an interest-only monthly payment
Second mortgage
Fixed Rate Second Mortgages with a 5, 10, 15, 20, or 30 year term
Make home improvements
Use your equity to make turn your home into your dream home
Use your equity to consolidate debt
Lower your overall monthly expenditure when consolidating debts
Close without an appraisal
Ask your loan officer if you qualify for an appraisal waiver
Home equity line of credit (HELOC) vs.
second mortgage (HELOAN)
A home equity line of credit is similar to a credit card. You are given a credit limit and you can use as much as you'd like. The payment you make will be based on the amount you use. For the first 10 years, you'll make interest only payments unless you decide to pay extra towards the principal balance. After 10 years have passed, you'll make a fully amortized principal and interest payment, based over the next 20 years, to pay down the balance you've accumulated. You'll no longer be able to draw against the line of credit, only repay.
A second mortgage is a fully amortized loan. As soon as the home equity loan is opened, you'll begin making payments that go towards principal and interest over the designated amortization just like a regular first mortgage.
Let us do the shopping
We'll shop the best HELOC and HELOAN rates with over 100 different lenders
Always low fees
The fees associated with our HELOC and HELOAN programs are some of the lowest in the industry
Let us do the shopping for you with over 100 lenders to compare and thousands of loan programs to search to find a loan that is tailored to your specific goals
Bank Statement Loans
for the savvy self-employed that have trouble getting conventional loans (as little as 3 months of statements)
Assets as Income
If you have lots of assets, but little income, we can use your assets to get you qualified - even if it's crypto.
Investor Cash Flow Loans
As long as the rental income covers (or almost covers) the mortgage payment, we can do it
Lower down payments
0% down on primary residences and 15% down for a conventional loan on investment properties
Stated Income Loans
If you've had trouble qualifying for a loan due to proof of income, we're here to help
Less mortgage insurance
With 10% down, say goodbye to mortgage insurance on our conventional loans
Bad Credit or No Credit
If you have a 800 credit score, a 500 credit score, or no credit score at all - we have several programs for you
Forget about escrow
We'll never penalize you for paying your taxes and insurance separately, even on VA loans
No Social Security Number
We have an ITIN program where we can do the loan as long as you have a taxpayer identification number.
Recent Bankruptcy
We have programs for people who are currently in or recently got out of bankruptcy. Ask us about your options.
Access to over 100 lenders
Let us do the shopping for you with over 100 lenders to compare and thousands of loan programs to search to find a loan that is tailored to your specific goals
Bank Statement Loans
for the savvy self-employed that have trouble getting conventional loans (as little as 3 months of statements)
Assets as Income
If you have lots of assets, but little income, we can use your assets to get you qualified - even if it's crypto.
Investor Cash Flow Loans
As long as the rental income covers (or almost covers) the mortgage payment, we can do it
Lower down payments
0% down on primary residences and 15% down for a conventional loan on investment properties
Stated Income Loans
If you've had trouble qualifying for a loan due to proof of income, we're here to help
Less mortgage insurance
With 10% down, say goodbye to mortgage insurance on our conventional loans
Bad Credit or No Credit
If you have a 800 credit score, a 500 credit score, or no credit score at all - we have several programs for you
Forget about escrow
We'll never penalize you for paying your taxes and insurance separately, even on VA loans
No Social Security Number
We have an ITIN program where we can do the loan as long as you have a taxpayer identification number.
Recent Bankruptcy
We have programs for people who are currently in or recently got out of bankruptcy. Ask us about your options.
Access to over 100 lenders
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Hi, my name is Evan Roggio. I'm a Senior Loan Officer with E Mortgage Capital, offering personalized mortgage solutions, fast customized quotes, great rates & excellent service.
For information purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval. Evan Roggio is a licensed mortgage loan originator. NMLS UNIQUE IDENTIFIER #2061874 DBA: E Mortgage Capital | NMLS UNIQUE IDENTIFIER #1416824
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