The Future of Lending
Made Easy.
The Future of Lending
Made Easy

Lowest Rates in the Market.
No Fees Options.

24/7 Availability

Average Closing Time 10-14 Days
Our Latest






Professional and

“Dealing with E Mortgage Capital and Joseph Shalaby has been an absolute pleasure. He refinanced my mortgage in the first week I reached out. The process was smooth and the refinance was a complete success! The rate was even lower than I expected! Thank you so much!”
– Janet from Commerce, CA

7 Steps - Easy, Fast, Secure
Ask your loan officer about our process, average closing time 14 days.
Call for a consultation to talk about your goals



Verify documents for application


Credit Report


Home appraisal


Underwriter review


Rate lock


Loan funding


Step 1
Call for a consultation to talk about your goals



Step 2
Verify documents for application


Step 3
Credit Report


Step 4
Home appraisal


Step 5
Underwriter review


Step 6
Rate lock


Step 7
Loan Funding




Why Choose Us
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.






What Our Clients Say About Us
- Real Client Testimonial 1
- Real Client Testimonial 2
- Real Client Testimonial 3
- Real Client Testimonial 4
- Real Client Testimonial 5








Honest and























Great Service and



– aabdo2727 from San Juan Capistrano, CA

















Honest and























Honest and























Honest and























Great Service and



– aabdo2727 from San Juan Capistrano, CA

















Honest and















Irvine Headquarters Office
18071 Fitch Suite 200 Irvine, CA 92614
Hours: 9am - 6pm Monday to Friday Contact: (888) 256-8076
Santa Ana Office
939 E Santa Ana Blvd Santa Ana, CA 92701
Hours: 8am - 7pm Daily Contact: (949) 534-4238
Stanton Office
12235 Beach Blvd. Ste. 209 Stanton, CA 90680
Hours: 8am - 7pm Daily Contact: (877) 512-2220
Tustin Office
15145 Woodlawn Ave. Ste. 200
Tustin, CA 92780
Hours: 8am - 7pm Daily Contact: 949-534-4241
Irvine Office
2372 Morse Avenue Ste 536, Irvine, CA 92614
Hours: 9am - 5pm M-F Contact: 949-954-5583
Santa Clarita Office
27600 Bouquet Canyon RD Unit 212, Santa Clarita, CA 91350
Hours: 8am - 7pm Daily Contact: (877) 512-2220 ext. 101
Costa Mesa Office
2900 Bristol St Ste J 207, Costa Mesa, CA 92626
Hours: 8am - 7pm Daily Contact: 949-534-4241
Kailua-Kona
78-6831 Ali'i Drive Space E-234, Unit 203, Kailua-Kona, HI 96740
Hours: 8am - 7pm Daily Contact: 808-365-6410




Find an Office Near You
Balboa Office
333 Marine Ave Ste 5
Balboa, CA 92662
Hours: 8am - 7pm Daily Contact: (949) 534-4238
Costa Mesa Office
2900 Bristol St Ste J 207, Costa Mesa, CA 92626
Hours: 8am - 7pm Daily Contact: 949-534-4241
Kailua-Kona Office
6831 Ali'i Drive Space E-234, Unit 203, Kailua-Kona, HI 96740
Hours: 8am - 7pm Daily Contact: (310)-579-7241
Santa Ana Office
939 E Santa Ana Blvd Santa Ana, CA 92701
Hours: 8am - 7pm Daily Contact: (949) 534-4238
Tustin Office
15145 Woodlawn Ave. Ste. 200 Tustin, CA 92780
Hours: 8am - 7pm Daily Contact: 949-534-4241
Stanton office
12235 Beach Blvd. Ste. 209 Stanton, CA 90680
Hours: 8am - 7pm Daily Contact: (877) 512-2220 ext. 101
Irvine Office
2372 Morse Avenue Ste 536, Irvine, CA 92614
Hours: 9am - 5pm M-F Contact: 310-776-6823