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Sam Hijazin is the Chairman and President of E Mortgage
Capital, where he has been instrumental in leading the company’s growth and
success. With over two decades of experience in the mortgage industry, Sam has
a deep understanding of the market and a proven track record in driving
operational excellence and strategic expansion. \n\nA proud alumnus of CSFU, he graduated in 2002, bringing a strong foundation of education and expertise to his leadership role. Under his
guidance, E Mortgage Capital has continued to evolve, innovate, and set new
records.


Sam Hijazin

California


Joseph Shalaby is the Founder, CEO & Principal Broker E Mortgage Capital
Inc., a full-service hybrid mortgage banker and broker that offers extensive
options for residential and commercial mortgages. EMC has offices all over the
country, approval in 35 states, and over 650 licensed loan officers and is
leading the industry with state-of-the-art technology, perpetual innovations,
in-house funding, the ability to close loans within 10 days, and leading rates.
Joseph Shalaby is a Coptic Orthodox Christian born in Cairo, Egypt, and is a
UCSB alum graduating with honors in 2002. He has been in the mortgage industry
for more than two decades, has earned dozens of awards and is a Scotsman’s
guide ranked top producing loan officer year over year. One of the primary
goals of EMC is to stay on the forefront of new mortgage products and
alternative mortgage options. Mortgage innovations are what allow his clients
to select the absolute best loan products customized for their situations.\n\n Joseph Shalaby actively seeks to offer
market-leading rates on mortgages, with the ability to lock loans online and
lock in interest rates at a guaranteed rate for up to 180 days. With the
emergence of non-QM loans, Private Money, Fix & Flip financing, non-QM, alternative
money, and no-income loans are now growing through E Mortgage Capital. This
dedication to competitive mortgage options is what makes Joseph Shalaby a
pioneer in the mortgage industry. In addition to providing diverse mortgage
products. He prides himself on a next-level customer service experience that is
exceedingly difficult to attain for any other mortgage banker, as he has a very
large support staff that is always available for his clients. Joseph Shalaby is
always striving for rapid progress from application to the closing of mortgage
loans, with a commitment to close a mortgage at lightning speed, and a two-day
window for completing most other steps of the loan process. With a core focus
on perpetual development in customer-service, this allows Joseph Shalaby to
live a servitude based organization. “Mortgages are what we do not who we are” TM.  \n


Joseph Shalaby

Alabama

Alaska

Arizona

Colorado

Connecticut

Delaware

Florida

Hawaii

Idaho

Illinois

Indiana

Kansas

Maryland

Michigan

Minnesota

Missouri

Montana

Nevada

New Hampshire

New Jersey

New Mexico

North Carolina

Ohio

Oklahoma

Oregon

Pennsylvania

South Carolina

Texas

Utah

Virginia

Washington

Wisconsin

Wyoming

I have been in the mortgage industry for nearly 14 years and have held various operational and management positions while also originating and maintaining my own client base. I am passionate about putting my personal clients and EMC’s clients in the best financial position for them and their families. It is what fuels me, and the core of the operations at E Mortgage Capital. I feel blessed to have the most hard-working processors, operational staff, and loan originators in the industry at E Mortgage Capital.

Korollos Shalaby

With over 22 years of experience in the mortgage industry, Ray has established himself as a trusted expert, guiding clients through the complexities of home financing with integrity and professionalism. Throughout his career, he has developed a strong reputation for leadership, building and mentoring high-performing teams, and consistently delivering exceptional results. Known for his dedication to providing personalized service, Ray strives to create solutions that fit the unique needs of each client.
Outside of his professional life, Ray is a proud family man, deeply committed to his wife and 2 daughters. His values of trust, commitment, and support extend beyond his work, where he continues to inspire those around him through both his professional accomplishments and personal dedication.

Raymond Gilbert

Georgia

Kentucky

Tennessee

As a licensed Mortgage Loan Originator with over 20 years industry experience and over 3 Billion Dollars in closed transactions my team and I specialize in Conventional, FHA, VA, Reverse and Jumbo loan products whether you are purchasing your first house or refinancing your existing mortgage. Prepare to walk an illuminated path on your journey with my team as you are never left in the dark. We will regularly communicate status updates to you as your loan reaches certain milestones in the process. With E Mortgage Capital as your mortgage lender / broker, you have an entire team dedicated to carrying your loan from application, through processing and underwriting and over the finish line where your loan is finalized (closed) and funded. If you ever have a concern or question, my team and I are a quick phone call, email or text away, and we always look forward to opportunities to communicate with you.

Nancy Bayat

As a customer-focused professional, I am dedicated to providing solutions customized to each client’s financial circumstances. With over 16 years of mortgage experience, I apply an engaging service model that empowers people to be in control of their finances and achieve their goals. I help clients improve their credit score, build savings, and maximize the benefits of a mortgage or purchase loan. I understand the impact that a mortgage has on people’s lives, and I take it as a privilege to help my clients accomplish their homeownership dreams.  To achieve this major milestone, you need an advisor who is well-aligned with your needs and goals. I negotiate the best possible rates and deliver a swift and painless transaction while protecting your best interests. I work with a highly motivated and knowledgeable processing and support team that will help you in all steps of the process. Whatever your mortgage needs, I will guide you and give you the confidence to make a sound decision. Call me today to get started.

Jonathan Stevens

I’ve been in the industry since the early 90’s. My mission is provide you with the ultimate mortgage experience. We are able to match you with best program and lowest interest rates. Whether you are looking to lower you payments, purchasing a new home, or looking for additional cash I can provide you with the best options. Contact me today and I will be glad to answer any questions you might have or give you a no obligation quote in a couple of minutes. I look forward to working with you.

Ali Borazjani

Born and raised here in Southern California, Elliot attended school at San Diego State University and finished the Mihaylo School of Business with a concentration in Finance and Real Estate at California State University Fullerton.  Immediately after college Elliot began a busy career in the medical device field, working directly with skilled surgeons to maximize the benefit of patient outcomes. After 10 years of traveling the country the opportunity to spend more time with his young family presented itself and Elliot made the transition into the mortgage industry. Ultimately, Elliot knew his passion is being of service to others and providing the best results for his customers and at E-Mortgage Capital he does just that.  When he is not in the office, Elliot and his family can be found at the beach. Surfing, swimming and just being outdoors are the mainstays of where they spend their free time.

Elliot Laurance

Arkansas

Maine

For over 10 years, E Mortgage Capital has been a respected mortgage company with the most competitive rates interest rates in the market, boasting a level of customer service most often associated with small local lenders. E Mortgage Capital has now taken its commitment to customer service and diverse mortgage options and expanded to add a multi-cultural lending division. This expansion allows us to offer individual borrowers who in most situations would have never qualified for a great mortgage loan, the flexibility of obtaining one of E Mortgage Capital’s many mortgage products by working directly with the staff of E Mortgage Capital. We are able to accomplish this using many credit solutions we offer to our clients at absolutely no cost.

Brian Santos

Christina Girgis was born in California after her parents immigrated from Egypt. At a young age, Christina’s family instilled in her the importance of a strong work ethic. This value of hard work has shaped her professional career and guides her even today.  Shortly after high school, Christina entered the field determined to help others and establish herself. She began working for a mortgage company in  CA and achieved rapid success as an ambitious loan originator. Christina then took her talents to a brokerage in CA where she grew her mortgage business and built a robust portfolio with clients across Southern California. Her expertise now includes selling properties, originating new purchase loans, and refinancing mortgages in order to assist her clients. Her niche is Reverse Mortgages. With a career that spans over a decade, Christina credits much of her success to tenacity, ability to build relationships, and true passion for helping clients. In 2016, she continued her mortgage career with the brokerage in where she annually became a top producing loan originator with annual earnings pushing her to the top 3% of all income earners in the United States.  Amidst her professional accolades, one of Christina’s greatest joys is her family. She is the proud wife of her high school sweetheart and an exceptional mother of two. Christina  enjoys traveling, shopping, and spending time with her family.

Christina W Girgis

Mike has worked in the mortgage lending industry for over a decade. His experience spans all aspects of the field including mortgage brokering, corporate training, and software implementation. Mike’s goal is to help make his client’s home ownership dreams a reality. He believes transparency, attention to detail, and dignity are key to making home ownership accessible and worry-free.  Mike currently lives in Southern California with his French Bulldog, Hank. When he is not at work, Mike can be found lounging by the pool, spending time with family, or watching football with Hank.