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E Mortgage Capital
- Mortgage Brokers
- Irvine, CA
About this business
At E Mortgage Capital our mission is to revive the American Dream of owning a home by serving every client with integrity, keeping the process simple and getting the job done. Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan. https://www.nmlsconsumeraccess.org/ https://n... read more
Location details
18071 Fitch, Suite 200, Irvine, CA, 92614, United States
Get directions| Weekday | Schedule | Status |
|---|---|---|
| Mon | 9:00 a.m. to 7:00 p.m. | |
| Tue | 9:00 a.m. to 7:00 p.m. | |
| Wed | 9:00 a.m. to 7:00 p.m. | |
| Thu | 9:00 a.m. to 7:00 p.m. | |
| Fri | 9:00 a.m. to 7:00 p.m. | |
| Sat | Closed | |
| Sun | Closed |
Communication of timeline, updates, and delays was not done.
The loan agent Erica Hart did not make time to answer questions about the loan. She told me I could not change the demographics information on my loan which is untrue. She told me there was no such thing as a no cash out option versus a limited Cash out option loan. Which is not true. I really considered backing out of the process because of her customer service.
In the end when you knew that I have no choice I was treated like I was worthless. I asked for the discount that you agreed to give before appraisal you denied giving anything. All the lenders had agreed to reimburse for the appraisal cost, which I requested from you and it was very disappointing to hear your response. when I took such a big loan it should have been considered. I didn't even bargain for the points that you added when my LTV went down.
It was not Kevin as much as it was the inept mortgage processors Obvious that they could not read a P/L My liquid coverage to debris 15 to 1 Lacked organization they just kept creating question submit what they requested and then they would ask for several more trivial items Very very unprofessional and poorly trained I assigned the process to my accounting group my VP of Administration and they were both frustrated With both the lack of structure and the lack understanding understandi
Because I'm self employed, getting a mortgage is more complicated than the usual. I went to 2 other financial institutions that both promised to get it done, but failed. Quicken loans was able to deliver where others could not.
I was told that money would be given to my co-owner Sam McGaw. That didn’t happen. Now I have to make arrangements to pay him. I was told my house payment would be a little over $800. It’s not a little over $1000. I never talked to Nancy Bayat. I’m not sure why I was sent a survey for her.
My sister went through a refi with a different company 3 months before I started mine. Hers took 7 to 8 months. The people hardly communicated to her and she was in the dark a lot. I didn't have any of those expenses. You guys were always available, you always answered my phone calls and I always knew where we were in the process.
I’d give ZERO stars if I could. My future plans are all screwed up and my guy “doesn’t know what happened” Yes, I should have caught the mistakes, but these are the “professionals”??? (I did catch one of the mistakes, but that wasn’t even fixed before closing) I heartily recommend looking elsewhere
Daryl is the one you want handling your mortgage. Another lender dropped the ball and he picked up right where she left off! He is honest and upfront. No games and no miscommunication. Thanks Daryl
Frequently asked questions about E Mortgage Capital
How is E Mortgage Capital rated?
E Mortgage Capital has a 4.8 star rating with 8,232 reviews.
When is E Mortgage Capital open?
E Mortgage Capital is closed now. It will open tomorrow at 9:00 a.m.