Unprecedented Service

No Call Centers. No processing centers. Your dedicated loan consultant will guide you from start to finish and we always answer the phone.

Unprecedented Speed

Our average closing time is 15 days.


You can do as much or as little as you like using your smartphone, your computer, your tablet, or over the phone.


Utilize our secure document exchange to make sure your sensitive information is kept private.

Save Money

Our average client saves thousands of dollars when compared to traditional mortgage retailers.


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 Clients Say

Honest and Super Helpful

Joe helped us with our home purchase as the broker and did the mortgage as well. His helpful and genuinely friendly demeanor made the buying process as painless as possible. As always when making a large purchase you can be leary of people and their intentions, but Joe proved to always have our best interests at heart and got us a great interest rate as well!

mena27 from Costa Mesa, CA

Great service and quick response

Working with Joe has been great, he has helped out with two of my homes in the past and is now helping me out with a loan for my new home. I would highly recommend Joe, he gets the job done quickly and effectively. He also gets me the best rates, which has saved me 10s of thousands over the life of the loans he has done for me. Thanks Joe, you are the man.

aabdo2727 from San Juan Capistrano, CA

Professional and Accountable

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!

janeanstclair from Commerce, CA