It is now November 2nd. I started my loan process with Joe on June 11th. I have spoke to him only twice during this process. I have even emailed him to get involved many times. I have provided any requests of him and his staff with any financial information they asked for. I have worked with Nolan. Dora, Marlene and now Roger. Do you think any of them would be able to get my loan approved after almost 5 months. "NO" Updated documents have been provided to his "Underwriter" at least 3 different times. There is no follow up from anyone on his team or Joe himself. I'm the one calling weekly to see what progress has been made. If you decide to refinance you home, make sure you don't choose E Mortgage Capitol to work with. "Their TERRIBLE" "FRUSTING" "NON RESPONSIVE" "JUST PLAIN OUT WORTHLESS".