Mr. Michael Vinnitsky with E Mortgage Capital is a true professional and handled all of the process in a patient and knowledgeable manner. The process of refinancing is not necessarily easy, but he made it easy. He was very thorough and attentive to helping us all the way through the process. I'm very happy I made the choice to change to E Mortgage Capital. They are the best!
THANK YOU to Craig Anson and Holly Baker for all of your help during my refinance!! You were both amazing!! I really appreciate how you made, what is normally a tough process, easy and as pain free as possible! You both were amazing with your feedback and making sure I knew were we were in the process, what to expect next, and what next steps needed to take place.
My wife and I are very proud to say that E Mortgage Capital is amazing to work with they really have blessed my wife and I with our new home. The Staff was very good to us especially Alex Castellanos and his co-workers Natalie and Lisa bless there hearts they never gave up on us. They will always be in our prayers..
I had a great experience refinancing my home with E Mortgage Capital. They were responsive and pleasant to work with. I would like to also mention that Ashton Hash is amazing and gives excellent personalized service. I was always able to reach him with questions. I highly recommend this group.
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Very fast and efficient. Nancy got us a better quote than other lenders and closed our refinance within two weeks. Her team was also very responsive to all questions. Definitely recommend.
Eric Newport was awesome to work with as was Amber who handled the processing. Very responsive to questions. Communication is the key to great customer service and all E Capital teammates surpassed expectations!! My current mortgage holder was great as well but a much longer closing time. E-Capital was very quick. Highly recommend. I was in this business for 42 yrs so I know what can be done and E -Capital went over and above.
Kevin Nguyen was great and able to get us refinanced despite others that wouldn't even try to others that couldn't do it. He and his team were very patient with me because of the experiences I had with the other companies. I will definitely refer others to him.
Ms. Restrepo took time to get to know me and my situation. She was knowledgeable, stayed in constant communication and addressed any concerns. She made the process seamless, quality service all around. I would and will recommend her to family and friends.
Heather & Shelby are definitely worthy of these 5stars, when I tell you these 2 went above and beyond. I am forever grateful on how much patience you had for me and never once made me feel uncomfortable with my decision. Every other company was trying to give me above 3% not these 2 ladies I got under 3% (BIG SMILES)
We had a wonderful experience with our mortgage refinance working with Joe Patrick. He was great at educating us, and was very patient and helpful through the whole process. Would highly recommend his services.
Emortgage Capital Inc. is a leading mortgage and refinancing company that offers competitive rates and flexible options to help you achieve your homeownership dreams. With years of experience in the industry, Emortgage Capital has established itself as a trusted partner for individuals and families looking to buy or refinance their homes.
At Emortgage Capital, we understand that buying a home is one of the most significant investments you will make in your lifetime. That's why we offer a range of mortgage options tailored to meet your unique needs and financial situation. Whether you're a first-time homebuyer or an experienced homeowner looking to refinance, our team of experts can help guide you through the process.
One of the key advantages of working with Emortgage Capital is our commitment to providing personalized service. We take the time to understand your goals and work closely with you every step of the way to ensure that you get the best possible outcome. Our team consists of experienced professionals who are dedicated to helping clients achieve their homeownership dreams.
We offer several types of mortgages, including fixed-rate mortgages, adjustable-rate mortgages (ARMs), jumbo loans, FHA loans, VA loans, USDA loans, and more. Each type has its own benefits and drawbacks depending on your financial situation and goals.
Fixed-rate mortgages are ideal for those who want predictable monthly payments over an extended period. The interest rate remains constant throughout the life of the loan term (usually 15 or 30 years), making it easier for borrowers to budget their finances accordingly.
Adjustable-rate mortgages (ARMs) have lower initial interest rates than fixed-rate mortgages but can fluctuate over time based on market conditions. This type may be suitable for those who plan on selling their homes within a few years or expect their income levels to increase significantly in the future.
Jumbo loans are designed for borrowers who need larger loan amounts than what traditional conforming loans allow ($548,250 as per 2021). These types usually come with higher interest rates due to increased risk factors associated with larger loan amounts.
FHA loans are backed by Federal Housing Administration (FHA) which allows borrowers with lower credit scores or smaller down payments access affordable financing options
VA Loans are available only for veterans & active-duty military personnel which offers low-interest rates & zero down payment option
USDA Loans provide financing options specifically designed for rural areas where other conventional financing may not be available
Our refinancing options include rate-and-term refinancing which helps reduce monthly payments by lowering interest rates; cash-out refinancing which allows homeowners access equity built up in their homes; streamline refinancing which simplifies paperwork requirements; HARP Refinances - Home Affordable Refinance Program - designed specifically for underwater homeowners whose property values have declined since they purchased them
At Emortgage Capital Inc., we believe that everyone deserves access to affordable housing solutions regardless if they have good credit score history or not so good credit score history . That's why we work hard every day towards providing competitive mortgage solutions while keeping customer satisfaction at top priority
In conclusion , whether it's buying your first home or refinancing an existing one , Emortgage capital inc provides customized solutions tailored according individual needs . Our team works tirelessly towards ensuring smooth transactions while keeping customer satisfaction at top priority . So if you're looking forward towards owning dream house , look no further than emortage capital inc!
emortgagecapital.com
