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E Mortgage Capital, Inc. logo

E Mortgage Capital, Inc. Reviews

Rated 4.8 based on 3126 Reviews

18071 Fitch #200, Irvine, CA 92614, United States

Mortgage Broker Irvine

Published on
July 9, 2025
Last updated
July 9, 2025

Reviews Summary

The overall sentiment for E Mortgage Capital, Inc. is overwhelmingly positive, as reflected in customer feedback regarding their mortgage and refinancing services. Reviewers consistently note timely processing, transparent communication, and a sense of support from individual team members such as John Heinrich, Paul Shin, Susie Lim, Fernando, and others. Clients highlight that expectations were met or exceeded, with particular praise for efficient online processes and responsiveness. While skepticism or hesitancy is mentioned initially, most concerns dissipate due to positive outcomes and staff attentiveness.

Frequent themes include highly responsive service, expert guidance through complex transactions, and professional candor. Customers note clear explanations and patience, especially for first-time buyers or those with challenging circumstances. Communication and ease of process are commonly highlighted, as is the ability to access competitive rates and minimal fees. This consistency appears across multiple types of property loans, including investment properties and residential purchases, in varied locations such as California and Texas.

Overall, E Mortgage Capital, Inc. is regarded as a reliable and reputable mortgage service provider, particularly within California and Texas. The company’s reputation is reinforced by repeat business and strong recommendations, as well as customers' appreciation for transparency and the proactive support of named brokers. This positions E Mortgage Capital, Inc. as a solid choice in the regional mortgage industry.
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What Customers Are Saying About E Mortgage Capital, Inc.?

extremely efficient and will not waste your time

Paul is incredibly patient, knowledgeable, and dedicated

kind, attentive, and made the entire process feel easy

went above and beyond to provide additional information

consistently outstanding

very professional, honest and was not pushy at all

remarkable experience

very professional

so committed to a process as Amanda

patient, kind, and willing to explain everything

Trustguide extracts key phrases from reviews about E Mortgage Capital, Inc. and sort them by sentiment. This gives you a quick view of what customers consistently praise or raise concerns about—without needing to read every review.

Satisfaction Score

Based on the set of reviews used to generate this report, it appears that 100% of E Mortgage Capital, Inc.'s customers had a positive experience.

Positive
100%
Neutral
0%
Negative
0%

E Mortgage Capital, Inc. Ratings

5

As of Based on 3126 revies as of Jul 09, 2025

E Mortgage Capital, Inc. Score

100%

As of Based on 3126 revies as of Jul 09, 2025

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Customer Reviews

As of Jul 09, 2025, 3126 customers have reviewed this business and rated it 4.8 Star out of 5. Trustguide conducted an in-depth analysis of E Mortgage Capital, Inc.'s publicly available reviews View source

Jessica Finch (Jess) rated E Mortgage Capital, Inc. 5 stars
a week ago
E Mortgage Capital, Inc. has been such a blessing. They contacted my husband and I after we initiated a loan application at our local bank. When we received the text with a summary of their offer for a new loan, I was skeptical and made sure to do my research about the company. I was not disappointed. I am glad that we went forward because the company is extremely efficient and will not waste your time by gathering information and then putting you to the side for other customers. They offer a full service and online experience. Because they are based in California, the online experience is necessary and, in my opinion, saves a lot of time. The entire process was seamless, and we closed our loan well within 30 days. A notary was scheduled at our convenience. When she arrived, we were able to sign all closing documents and officially complete our home refinance. It was a pleasant experience, and communication exceeded my expectations. John Heinrich, the broker who worked with us as well as his affiliates, met all of our needs and gave us peace of mind. Thank you, E Mortgage Capital, Inc.!
Julie rated E Mortgage Capital, Inc. 5 stars
5 months ago
Paul Shin secured an excellent loan deal for our Fourplex purchase in Texas. Finding the right financing requires time and effort, and we are fortunate to have met Paul. He instilled confidence in us regarding our financial expansion goals. Paul is incredibly patient, knowledgeable, and dedicated to educating and guiding us at every step. Through his extensive network, he connected us with a property insurance company offering a fantastic deal and other assistance we needed. Paul Shin works diligently and consistently responds with valuable feedback, even amidst his busy schedule. He approaches our numerous questions and doubts with kindness and grace, making us feel supported throughout the process. Thank you, Paul Shin!
Janelle Ehrlich rated E Mortgage Capital, Inc. 5 stars
5 months ago
Excellent 5 Star Experience from Start to Finish! Fernando at E Mortgage Capital was amazing to work with. He was kind, attentive, and made the entire process feel easy and stress-free. I really appreciated how quickly things moved and how he kept me in the loop every step of the way. It’s not often you find someone who truly cares and follows through the way he did. I highly recommend E Mortgage Capital for any of your funding needs-they truly deliver great service.

Frequently Asked Questions About E Mortgage Capital, Inc.

How quickly can E Mortgage Capital, Inc. close a home loan?

Several reviews mention that E Mortgage Capital, Inc. provides efficient service, with some loans closing well within 30 days. The online process and proactive communication contribute to faster completion times.

Do loan officers at E Mortgage Capital, Inc. provide detailed guidance for first-time buyers?

Yes, customers highlight that loan officers are patient and thorough in explaining documents and the mortgage process, especially for first-time home buyers. This support includes answering questions and providing clarification throughout.

Is E Mortgage Capital, Inc. available to help with investment property loans?

Yes, multiple reviewers note successful experiences securing loans for investment properties, emphasizing that E Mortgage Capital, Inc. understands the investor space and offers responsive, knowledgeable assistance.

About E Mortgage Capital, Inc.

Mortgage Broker
E Mortgage Capital, Inc. is a mortgage brokerage and lending business specializing in home loans, refinancing, and investment property financing. The company operates primarily online, allowing customers to complete the majority of their loan application and approval process through digital platforms, regardless of their location.

Their operations involve coordinating with loan officers and brokers who guide clients through the mortgage application, approval, and closing stages. They collaborate with multiple lenders to present clients with competitive rates and terms, schedule notaries as needed, and maintain regular, clear communication throughout each phase of the mortgage process.
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How is this report generated

Trustguide generates concise, neutral summaries of business reviews. By analyzing publicly available feedback from reputable platforms, it highlights common experiences, praises, and concerns. This allows users to quickly understand a business’s reputation without reading every individual review.4o
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