This profile has been claimed by the business owner or representative.
Derek Torok
- Mortgage Brokers
- irvine, CA
About this business
E Mortgage Capital is a family-owned and operated business. The principal owners are childhood friends that have a combined 40 years of extensive experience in the mortgage industry. Each brings their unique talents and strengths to the company. This approach allows them to focus their attention on different aspects of the business to better serve their team members. NMLS License Search/Lookup: https://www.nmlsconsumeraccess.org For State specific requirements please visit: https://www.emortgagecapital.com/licensing
Location details
18071 Fitch, Ste 200, irvine, CA, 92614, United States
Get directions| Weekday | Schedule | Status |
|---|---|---|
| Mon | 9:00 a.m. to 6:00 p.m. | |
| Tue | 9:00 a.m. to 6:00 p.m. | |
| Wed | 9:00 a.m. to 6:00 p.m. | |
| Thu | 9:00 a.m. to 6:00 p.m. | |
| Fri | 9:00 a.m. to 6:00 p.m. | |
| Sat | Closed | |
| Sun | Closed |
I really liked the fact that I was given multiple options on how to structure the loan and ultimately found the one that worked best for me. Although we were under the gun for a bit to close by the date I needed to close we got it done.
Dereck is best for loan processing and great service!!
Fantasticly great
You explained the process well. You informed me when and why numbers would change as the process went along. You were also very responsive whenever I called you. You also saved me a LOT of money on closing costs that I was able to use on the house! Thanks Derek!
Time lines were tight , Time lines were missed. It is a process and needs constant communication between all working partners.
Not organized and got annoyed when I asked questions about loan docs. There are better options out there. Go with someone else if you can.
Could review everything the bank ask for in a more reasonable timely manner; instead of taking 48 hours to review a single document. They could ask everything they need at once, rather than single documents, making the process a lot slower. Lender hid the fact i was paying thousands of dollars for a lower interest rate, claiming he was "giving me a credit". Making it seem, like i was giving the lower interest rate as an incentive. Also, there could be more communication between the bank/lender and myself instead of ignoring ... read more
We went into a VA refinance with all of our documentation already provided (we had started with another lender). E-Capital drug their feet on this, allowing the lender NewRez to require more documentation that should have been needed (or legally required). They constantly had us jumping through hoops. All the while they promised us the loan would be funded and previous mortgage paid off in time. Well, it wasn't. Now our previous lender has reported us as late. This process took much longer than it should have, now we will be... read more
Frequently asked questions about Derek Torok
How is Derek Torok rated?
Derek Torok has a 4.7 star rating with 44 reviews.
When is Derek Torok open?
Derek Torok is open now. It will close at 6:00 p.m.