Loan

Programs

Customized for your Financial Future

Our Custom-Tailored Mortgage Approach

Every borrower’s story is different, so we don’t believe in one-size-fits-all lending. We match you with the right loan for your goals, lifestyle, and financial future. Here's what you get when you work with us:

✅ Access to a wide network of lenders and loan programs.

✅ Personalized guidance for your unique financial situation

✅ Clear communication and full transparency at every step

✅ Flexible solutions for both traditional and non-traditional borrowers

First-Time Homebuyer Loans

Affordable, accessible loans designed for first-time buyers.

Get lower down payments, flexible credit options, and support every step of the way.

FHA Loans

Low down payment. Flexible credit. Easier approval.

FHA loans help more people become homeowners-even with limited savings or less-than-perfect credit.

Conventional Fixed Rate Mortgages (FRM)

A steady payment you can count on, with rates locked in for the life of the loan. Conventional fixed-rate mortgages offer stability, predictable budgeting, and long-term peace of mind—whether you’re buying your first home or refinancing for the future.

Home Equity & HELOC

A Home Equity Line of Credit (HELOC) lets you borrow against your home's value-only when you need it. Flexible, revolving credit backed by your home's equity.

VA Loans

Exclusive benefits for veterans, active-duty service members, and eligible spouses.

Buy or refinance a home with no down payment and

flexible qualification standards.

USDA Loans

Affordable home financing backed by the

U.S. Department of Agriculture.

Designed for buyers in eligible rural and suburban areas with low to moderate income.

Jumbo Loans

Finance high-value homes that exceed standard loan limits.

Ideal for luxury properties, competitive markets, and buyers who need more borrowing power.

Investment Property Loans

Finance rental properties to build wealth through real estate.

Whether it's a long-term rental or short-term Airbnb, these loans help you buy, refinance, or expand your holdings.

Low Down Payment Options

Explore loan options that require as little as 0% to 3.5% down.

Ideal for first-time buyers, young families, and anyone short on upfront funds.

Self-Employed Borrowers

Running your own business shouldn’t mean struggling to qualify for a home loan. These programs look beyond W-2s, using bank statements, 1099s, or even asset-based income to verify your ability to repay. Flexible solutions designed for entrepreneurs, freelancers, and business owners who want financing that matches how they really earn.

DSCR Loans

Debt-Service Coverage Ratio (DSCR) loans make it easy for real estate investors to qualify based on rental income—not

personal income.

Construction Home Loans

Finance the land, materials, and labor—all in one loan.

Perfect for buyers building from scratch or taking on major renovations.

Bank Statement Program

Qualify based on your bank deposits, not your tax returns.

Designed for self-employed professionals, freelancers, and business owners who can prove income differently.

Reverse Mortgage

If you're 62 or older, a reverse mortgage lets you convert your home's equity into cash-without selling or making monthly payments. Stay in your home and get paid instead.

Contact Info

(949) 612-4479

[email protected]

Helpful Links

Accesibility Statement

Licensing

E Mortgage Capital – NMLS #1416824

Matt Moghaddam – NMLS #2635603

Equal Housing Lender.

E Mortgage Capital – NMLS #1416824

Matt Moghaddam – NMLS #2635603

Equal Housing Lender.

This is not a commitment to lend. All loans are subject to credit approval, underwriting guidelines, and property eligibility. Rates, terms, and conditions are subject to change without notice and may not be available in all states. Licensing information is available at www.nmlsconsumeraccess.org.

By submitting your information on this website, you consent to be contacted by phone, SMS, and email, even if you are on a federal or state Do Not Call list. Consent is not a condition to purchase goods or services.

Information provided on this site is for informational purposes only and should not be considered legal or financial advice. Please consult with licensed professionals for guidance specific to your situation.