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Strategic Mortgage Advising:

Home Loans & Refinancing Made Simple.

Need a better mortgage strategy? E Mortgage Capital provides expert mortgage advising for purchase and refinance, ensuring you get the most competitive rates and a clear closing process. We help maximize your savings and equity.

HEI/HEA

HEI/HEA

I need this

Refinance my Home

Refinance my
Home

I need this

HELOC

HELOC

I need this

Home Purchase Loan

Home Purchase
Loan

I need this

Bank Statement Loan

Bank Statement
Loan

I need this

1099 Home Loan

1099 Home
Loan

I need this

Non-QM Home Loan

Non-QM Home
Loan

I need this

Home equity line of credit

Borrow against the home you already own — not against your future.

A HELOC turns built-up equity into a credit line you draw from as you need it. You only pay interest on the balance you actually use, and your first mortgage rate stays exactly where it is.

Live estimate

Lending to 80% combined loan-to-value
Estimated home value$650,000
$200K$2M
Mortgage balance owed$320,000
$0$2M

Estimated HELOC available

$200,000

Get your real number
Mortgage owed $320,000Available $200,000Held in reserve $130,000

Three reasons homeowners call us

Cut the rate

Carrying credit-card debt at 24%?

Move it onto a line secured by equity you already own. Most clients more than halve their monthly interest cost, and the interest may be tax-deductible.

Draw as needed

A lump sum feels like too much at once?

This is a revolving line, not a one-time loan. Take what you need, repay it, take it again through the 10-year draw period. No prepayment penalty.

One line, any use

Project cost still uncertain?

Renovations, tuition, business capital, medical bills, emergencies — one line covers all of it, and you are never charged for what you leave untouched.

What the same $50,000 costs you

Typical APR · illustrative national averages, 2026
HELOC8.5%Interest only on what you draw. Keeps your first mortgage rate.
Credit card24.2%Roughly 3× the rate, and the limit is a fraction of the size.
Personal loan21.5%Fixed lump sum. Interest starts on the full amount on day one.
Cash-out refi7.1%Lower rate, but it replaces the mortgage rate you already hold.

Rates and terms are illustrative national averages and vary by lender, credit profile, property type, and market conditions. Final approval, available limit, and rate are determined at underwriting. Consult a qualified tax professional regarding the deductibility of interest.

Your equity is already there. Put it to work.

Most applications take under 10 minutes. No obligation, and no hard credit pull to start.

Begin your HELOC inquirySee the comparison
Equal Housing LenderLicensed & insuredSoft-pull pre-qualification
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Non-QM lending

A “no” from a bank is not the end of the conversation.

Conventional underwriting assumes a W-2 and two years of tidy tax returns. If you’re self-employed, an investor, newly arrived, or rebuilding after a credit event, these 8 programs qualify you on what you actually have — bank deposits, property cash flow, assets, or a 1099.

8 programsOne lender620 FICO from

1099 Loans

Flexible mortgage solutions for luxury homes, even with unique financial circumstances.

FICOCredit Score Start at 660
Max LTV90%
  • Up to 50% DTI Ratio
  • Interest Only Available
  • Uses 1 or 2 years of 1099 forms to qualify borrowers.
Learn moreApply

No Ratio DSCR Loans

Focus on property cash flow, not personal income, for better investment opportunities.

FICOCredit Score Start at 660
Max LTV80%
  • 1 to 4 Unit Residential Properties
  • Investment Only
  • FICO = ok 620 min
  • LTV = ok 80% Max
  • Loan amount up to $3.5 Million
  • Vacant Properties
Learn moreApply

Down Payment Assistance

Get help with your home purchase through our Down Payment Assistance Program

FICOCredit Score Start at 600
Max LTV90%
  • Up to 103% Max LTV*
  • Up to 3.5% of the Appraised Value on FHA Loans
  • FHA Loans
  • LTV* to 90%
Learn moreApply

Bank Statement Loans

Unlock real estate dreams with flexible income verification.

FICOCredit Score 660 +
Max LTV90%
  • Cash Out up to 80% LTV
  • Primary, 2nd Home, Investment
  • Utilizes 12-24 months of personal or business bank statements to assess income.
  • No Tax Returns required
Learn moreApply

P&L Loans

Finance based on business success with our P&L loan solutions.

FICOCredit Score Start at 640
Max LTV85%
  • $3 Million Max Loan Amount
  • Primary, 2nd home and Investment
  • Purchase, Rate and Term or Cash out
Learn moreApply

Bridge Loans

Seamlessly transition to your new home with Our flexible Bridge Loan solutions.

FICOCredit Score 660 +
Loans up to$2MM
  • Min. DSCR 1.00
  • Loans to $2MM
  • Interest-Only Available
  • 5-8 Units Allowed/Vacancies Allowed
  • $1M Max Cash-Out
  • Mixed Use Limited to Retail/ Office
Learn moreApply

ITIN Loans

Secure financing for your U.S. property dreams with Our flexible ITIN Loan solutions.

FICOCredit Score Start at 640
Max LTV97%
  • Loan amounts up to $1.5 Million
  • Qualify with Tax returns or Business Bank Statements
  • Suitable for primary residences, second homes, and investment properties.
Learn moreApply

Jumbo Non-QM Loans

Get tailored financing for high-value properties, regardless of unique financial situations.

FICOCredit Score 660 +
Loans up to$2MM
  • Min. DSCR 1.00
  • Loans to $2MM
  • Interest-Only Available
  • 5-8 Units Allowed / Vacancies Allowed
  • $1M Max Cash-Out
  • Mixed Use Limited to Retail/ Office
Learn moreApply

Not sure which one fits?

Tell us how you earn and we’ll point you at the right program. Takes under ten minutes, and there’s no hard credit pull to start.

Start your applicationCompare all programs
Equal Housing LenderLicensed & insuredNo tax returns on select programs
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Current Loan

Your existing mortgage

1Y30Y

29 Years

New Loan

Refinance details

Rate Difference: 2.50% ↓ Lower

Typically 1% to 1.5% of loan amount

Refinance Price Comparison Calculator

$4,880
Monthly Payment
Monthly
$1,469
Saved per month
+23.1%
Interest
$452,542
Interest saved
+33.3%
Break-Even
2.4
Months to profit
2.4m
Savings %
23.1%
Payment Reduction
+23.1%

Total Life Time Saving

$449,042

You could save this much over your loan term!

Payment Comparison

Current Payment

$6,348

8.1% • 29 Years
↑ 23.1%

Refinanced Payment

$4,880

5.6% • 30 Years
↓ 23.1%

You're Saving

$1,469

per month

divider E Mortgage Capital

Anything Unclear or Need Some Help? Relax, We Are Here for You 24/7

Relax and take comfort in knowing that our 24/7 support ensures you're never alone on your financial journey.

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Ready to Finance Your Dream Home?

Unlock luxury living and real estate investment with Jumbo Non-QM Loans. Contact The E Mortgage Capital today to explore your financing options.

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NMLS# 1416824

NMLS# 1416824

(949) 396-1204

3750 S Susan Street, Santa Ana, California 92704

kkennedy@emortgagecapital.com

E Mortgage Capital

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Legal Disclaimer

E Mortgage Capital, NMLS #1416824 located at 3750 S Susan Street, Santa Ana, California 92704. E Mortgage Capital does not provide legal, tax, or financial advice or guidance and is not associated with any government agency. This is not an offer for an extension of credit nor a commitment to lend. Programs, rates, terms, and conditions are subject to change without notice. Certain restrictions may apply. All approvals are subject to underwriting guidelines and minimum credit requirements. Not all loans or products are available in all states. For current licensure information, please visit: www.nmlsconsumeraccess.org.

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