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About Joseph Shalaby - E Mortgage Capital

1800 East Garry Avenue Suite 112
Santa Ana, California 92705
United States

E Mortgage Capital is a full-service mortgage company committed to providing the comfort of local service along with the assurance of a large lender. E Mortgage Capital strives to provide the best rates and most attentive service possible. E Mortgage Capital’s dedication to service is evident in its pledge to complete each major step—underwriting, document completion, sign-offs, and funding—within 48 hours. The company also guarantees to close all loans within 21 days of approval.

E Mortgage Capital combines customer service with state-of-the art technology; their website provides clients with instant loan decisions and the day’s current lending rates. Clients can also lock their loans online, giving them a guaranteed interest rate for up to 30 days. E Mortgage Capital is continually developing new and attractive lending programs like their recent HOT Dream Loans program, which allows clients to take advantage of the most recent trends in the market. E Mortgage Capital specializes in first-time buyer programs and also offers lending programs provided by the Federal Housing Administration and the Department of Veteran Affairs. 

E Mortgage Capital is an approved BRE and NMLS mortgage company also FHA/ HUD & VA approved mortgage company and licensed to do VA loans in California, Texas and Colorado.In response to the success of its lending programs in California, E Mortgage Capital recently launched its retail mortgage division, expanding its lending ability to California, Colorado & Texas. E Mortgage Capital is a member of the Better Business Bureau and Orange County Association of Realtors, as well as part of the NAHREP. E Mortgage Capital recently moved to a new corporate headquarters at 18021 Skypark Circle Suite A Irvine, CA 92614


  • Home Loans - Refinance - Best Rates - 100% Financing - Subprime & Hard Money Loans- VA & FHA loans
  • - Mortgage Purchase & Refinance Loans. - FHA Purchase up to 96.5% down to 500 FICO - VA Purchase up to 100% - FNMA Purchase up to 97% - 89.90% CLTV combo up to $1,000,000 with a 720 (mid) – NO MI - Jumbo 90% (250k above the county limit- max $875,500) - 97% conforming W/ MI - Asset Utilization - 70% of retirement assets - VA Purchase 100% financing - Stated Income loans


E Mortgage Capital

Get Directions

E Mortgage Capital

  • 1800 East Garry Avenue Suite 112
    Santa Ana, California 92705
    United States
  • 855-569-3700
  • 9am-8pm Monday to Friday
    9am-5pm Saturday
    Closed Sunday