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E Mortgage Capital
- Mortgage Brokers
- Irvine, CA
About this business
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 |
During the Refinancing process, my current bank required an appraisal of my home in order to keep my HELOC open (which was my preference, to keep it open). I was informed by eMortgage Capital that this appraisal would delay closing. I was told that I could open a new HELOC with US bank, and avoid delaying closing my refi. I agreed. Now that the Refi Has closed and my HELOC closed, I was informed by US bank that they will not approve an application for a replacement HELOC at this time. Not happy.
First of all I’ve not delt with Daniel at all. The sales reps I did work with were great at first but after the refi was approved it was like crickets. Nothing from them. Because this is the first time doing a refi, I was terrified wether or not I was doing the write thing. The fees seemed extremely expensive and then later was offered a refi with no fees. So, I felt ripped off. My questions went unanswered and I was very anxious and unhappy through the whole process. Glad it’s over.
N/A Have not spoken with Eric Hines!
A lot of time and money was wasted after closing because Nancy applied for extra house insurance on my property and not only am I having to pay for it (because the service was included in the closing) but I had to spend a few days gathering information and trying to contact the companies involved to get a refund and resolve the issue.
Low rate
Delays cost us an increase in rates. Our loan was transferred at closing so the two skipped payments that were promised were not honored. We started with both my wife and I on the loan application and at some point my wife was dropped leaving only myself. They say this was our error. If this was the case why was a credit report pulled for both of us. We have the reports to prove this argument. Overall it was the most unorganized, mismanaged, mortgage we have had. Overworked was the defense. TJ
Little to no communication for weeks at a time. I had to drive the process forward with underwriting most of the time. I was also asked to give documents multiple times but then told they needed different ones. We also had to sign with a notary 3 times because the documents were wrong. I would say run away unless you want your refinancing process to take 3 months and cause you stress.
I was sent some documents 3 times to e-sign and some appointments with the Notary were missed but I think that was because the disclosure docs weren't sent on time but in all fairness to Justin, I was dealing with Paulo through all that. Wondering when the skip a payment part begins and who do I contact with concerns as time goes on? Regards, ST
Beyond slow, almost 3 months. Loan processors of dubious ability, often requesting the same documents over and over I actually had to take an image of a document and draw a circle around the date so she would quit asking for that date. In the end I had no confidence that this would close then out of the blue someone called to say they were ready to close. Then some paperwork was missed so we had to meet with the notary twice.
Frequently asked questions about E Mortgage Capital
How is E Mortgage Capital rated?
E Mortgage Capital has a 4.8 star rating with 8,302 reviews.
When is E Mortgage Capital open?
E Mortgage Capital is closed now. It will open at 9:00 a.m.