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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

Onyx Group Mortgage / HELOC
Issue 01 — Equity Unlocked
01 — The Product

Borrow against your home.
Not against your future.

A HELOC turns the equity you’ve already built into a flexible credit line. Draw what you need, when you need it — and only pay interest on the balance you actually use. No lump sums. No 24% credit-card spiral. Your home, working for you.

Start Your ApplicationSee the comparison
Live Estimate

How much could you unlock?

Estimated home value$650,000
$200K$2M
Mortgage balance owed$320,000
$0$2M
Estimated HELOC available *
$200,000
Based on lending up to ~80% combined loan-to-value. Get your real number →
02 — The Problem We SolveThree reasons clients call.
No. 01

Drowning in 24% APR credit-card interest?

Roll high-interest debt into a single low-rate line backed by the equity you already own. Most clients cut their monthly interest cost by more than half — and the interest may be tax-deductible.

No. 02

A lump-sum loan feels like too much, too soon?

A HELOC is a revolving line, not a one-time loan. Borrow only what you need, when you need it, and only pay interest on the balance you actually carry. No prepayment penalties.

No. 03

Big project, uncertain total cost?

Renovations, tuition, business capital, medical bills, emergencies — one flexible line covers them all. Draw, repay, draw again throughout the 10-year draw period.

How HELOCs actually compare to the alternatives.

Updated 2026
Rates are illustrative
HELOCCredit CardPersonal LoanCash-Out Refi
Available FundsHow much you can access$50K – $500K+~$25K~$50K$50K+
Interest RateTypical APR range~8.5%24.2%21.5%7.1%
Pay Interest Only on What You UseNo interest on unused funds✓✓✕✕
Reusable Credit LineBorrow, repay, borrow again✓✓✕✕
Keeps Your 1st Mortgage RateDon’t lose your low rate✓✓✓✕
Potentially Tax-Deductible InterestWhen used for home improvements✓✕✕✓
Minimum FICOTypical qualifying score620620620620

The takeaway: A HELOC is the only option that combines the flexibility of a credit card with the rate of a mortgage — without touching the loan you already have.

Apply Now

Rates and terms shown 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. Onyx Group Mortgage NMLS — see disclosures.

Ready when you are

Your equity is just sitting there. Let’s put it to work.

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

Begin Your HELOC Inquiry
Equal Housing LenderLicensed & InsuredSoft-Pull Pre-Qualification
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Onyx Group Mortgage / Non-QM Lending
Issue 04 — Break Free
04 — The Programs
Break Free from Traditional Lending

Explore Non-QM loans for financial freedom.

Life doesn’t always fit neatly into boxes — and neither should your mortgage. If you’re self-employed, an investor, or have a financial situation that doesn’t fit the traditional mold, Non-QM loans can open doors to homeownership.

8 Programs
One Lender
Non-QM Program

1099 Loans

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

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

No Ratio DSCR Loans

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

FICOCredit Score Start at 660
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
Non-QM Program

Down Payment Assistance

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

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

Bank Statement Loans

Unlock real estate dreams with flexible income verification from E Mortgage Capital.

FICOCredit Score 660 +
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
Non-QM Program

P&L Loans

Finance based on business success with E Mortgage Capital's P&L loan solutions.

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

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
Non-QM Program

ITIN Loans

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

FICOCredit Score Start at 640
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
Non-QM Program

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
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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

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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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Embark on Your Homeownership Journey with Oynx

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Contact us for timely assistance, & we’ll be glad to help.

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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.

E Mortgage Capital logo

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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