We work hard to make our customers happy. Here is a sampling of some of the great reviews we have received over the years.

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When I became licensed as a broker, I knew that I wanted to do business differently than it was being done at the time. I decided to take my business online, being one of the first mortgage brokers in the country to do so. The goal was to bring the best available daily rates directly to the consumer, allowing them to make informed decisions when it was convenient for them, 24 hours a day. 

Many years later, we are still the low cost leaders in California. Our online services have grown to include rate quotes, calculators and loan applications, educational videos and webinars, informative articles, and up-to-the moment financial news.

My team at emortgages.com works with each client individually to determine the best deal available for purchase or refinance. We believe in customer service first and have a great group of agents and processors who are ready and willing to help our customers through the entire home mortgage process from start to finish. We understand that you have many mortgage consultant options and are prepared to earn your long term trust.

With our 20 plus years of mortgage lending experience and billions in funded mortgages, we can provide customers with the highest level of service and the best value in closing costs and interest rates.

We originate mortgage loans for first time homebuyers, refinance, debt consolidation, investment properties, FHA loans, FHA 203K rehab and more. Visit our website at Emortgages for the full picture of what we can offer you.

We are also currently accepting applications for HARP 2.0, the newly revamped government program for underwater homeowners. More about that can be found on our dedicated website Harp Refinance Tips.

We are also doing FHA Streamline Refinances. For more about that, visit our website FHA Refinance California.

I would love to connect with you about any of your real estate finance questions. Give me a call at (800) 619-4400 or email me atjs@emortgages.com. Am looking forward to being in touch.