E Mortgage Capital has a rating of 3.1 stars from 28 reviews, indicating that most customers are generally satisfied with their purchases. Reviewers satisfied with E Mortgage Capital most frequently mention interest rate. E Mortgage Capital ranks 12th among Mortgages sites.
I never thought I would be saying this about a mortgage broker, but the experience working with Joseph on my refinance was great. Joseph always replied promptly to my questions (sometimes within minutes). I am happy with the rate he helped me acquire (have you ever heard of 2.8% apr 15yr for a tenant occupied condo? I haven't before this). Usually I am skeptical of things that sound too good to be true, but this really worked out. I highly recommend working with EMortgage Capital. Thanks Joseph!
For weeks I have been telling emortgage representatives to stop calling me. They keep calling & calling. Once they get wind off my aggravation, they hang up on me. This is annoying. I'm blocking at least 5-10 different phone numbers a day from emortgage calls. I'd NEVER choose emortgage after all this. Stay clear away from this company. There's something very wrong here.
I never thought I would be saying this about a mortgage broker, but the experience working with Joseph on my refinance was great. Joseph always replied promptly to my questions (sometimes within minutes). I am happy with the rate he helped me acquire (have you ever heard of 2.8% apr 15yr for a tenant occupied condo? I haven't before this). Usually I am skeptical of things that sound too good to be true, but this really worked out. I highly recommend working with EMortgage Capital. Thanks Joseph!
I have used EMortgage Capital. All for my last 3 loans, each time the process has gotten easier. This time I worked with Joseph. I have To say working with him was amazing. Most professional people I have dealt with. I was only able to give 5 stars. But really I would give them 10. Do yourself a favor if your looking for a loan call E Mortgage Capital and ask for either of them. Great company to work with.
Tip for consumers:
Highly Recommended!!
Products used:
Loan
E Mortgage Capital Providing me home loan within 14 days in lowest interest rate. Loan officers give me great advice. I am very thankful and happy with their services.
For weeks I have been telling emortgage representatives to stop calling me. They keep calling & calling. Once they get wind off my aggravation, they hang up on me. This is annoying. I'm blocking at least 5-10 different phone numbers a day from emortgage calls. I'd NEVER choose emortgage after all this. Stay clear away from this company. There's something very wrong here.
Tip for consumers:
Terrible experience. Annoying.
Products used:
I have no interest in refinancing with emortgage. I didn't call them. They started calling me one day, and refused to stop.
Had an very smooth experience working with Joseph Shalaby. I appreciated his transparency, helpfulness, and overall did not feel under pressure at all talking to him. He made sure to explain every little detail throughout the process. I couldn't ask for a better person to work with! We highly recommend him and would definitely use his services again.
Run! Run! WORST MORTGAGE COMPANY EVER. SAM ISMAIL IS AN UNPROFESSIONAL BRANCH MANAGER. He doesn't have a pulse on his files. Three extensions and still doesn't have answers. His loan officers are inept at best. If you're a realtor, get your buyer FAR FAR AWAY. IN MY MANY YEARS as an agent this is by far the worst I've come across. Run!
Catherine Rodas / Ethan Guirguis killed our file. Don't answer calls and don't answer calls.
Sam Ismael threatened to pull file and hostile communicator. Worst. Awful!
Tip for consumers:
Run.
Products used:
N/A
I am writing from a bit of a different perspective than many here would have. I am a Notary Signing Agent who was recently assigned to a file with a signer who was being a bit difficult. I had to call Ali to inform him of the issues I was having and the delay it was causing, potentially affecting my ability to get to my next appointment on time. His response and subsequent actions were of the highest order. He called the signer, got him taken care of and then called me right back to tell me that I could then resume the signing with a much more cooperative signer than before. Ali asked me to follow up with him afterward and when I did, he was very appreciative and just made the whole situation better not only for me, but more importantly, he was able to address the situation for the signer and get him back to a state of mind that would allow him to focus on getting the docs signed, and he did it all in just a few short minutes. This made my life a whole lot easier. Something that I am very appreciative of.
Rarely do I encounter employees at companies who are as conscientious and thorough as Ali, and who also provide such a level of personal service as he does. He is an absolute asset to your company and with a work ethic and the abilities that Ali possesses, he should be on the fast track to more responsibility. Thank you Ali for all that you do. You're awesome!
E Mortgage Capital providing good loan service in lowest interest rate. I am really happy from their services. Thanks to mr. Joseph, who is ceo of E Mortgage Capital.
Won't touch E-Mortgage again on any further transactions. The team that worked the details of my refinance were good and helpful. However, the Loan Officer/Vice-President and CEO appear have other agendas. CEO seems to smile and be pleasant as he is fearful of true reviews. The most senior level of management in this business is not willing to stand behind their word. The top tier seems supportive of lies/deceit.
My experience with E Mortgage Capital has very very nice. Thank you for your good services. All staff is good at their work
E mortgage capital Providing my housing loan at lowest interest rate. Loan officers give me great advice. I am very thankful and happy with their services.
I wrote a very negative review about eMortgage Capital a week ago, and rightfully so. If you happen to have read that review I now want to emphasize that my bad experience was due to the poor performance of one individual at eMortgage, and that review should not reflect on other employees at that company. After I contacted the CEO, Joe Shalaby, he took corrective action with that employee and assigned someone else, Mike Barrios, to my account. Mike and his team were very attentive and aggressive in moving my transaction forward and getting it closed with what turned out to be a very acceptable outcome. It is often said that it is more telling on how a company deals with an unhappy customer as opposed to how they try to keep a customer happy in the first place. I give eMortgage Capital high marks for how they ultimately responded once I escalated the matter. I would definitely recommend you give them a chance.
Got a letter in the mail claiming low interest rates. Left 2 messages and finally got a call back. After being promised for the last 5 business days my loan "should be out of underwriting today and you shouldn't need to supply additional documentation" I get a list of 6 items that need to be addressed. After looking at the list only 2 items had not been addressed from the initial intake. On top of all of these things the interest rates were much lower than they are today and now they won't lock my rate until these items have been addressed.
Tip for consumers:
Don’t use them
Products used:
None
The E mortgage capital provides good services, team of e mortgage capital has very helpful and kind. I really happy with their service. Thanks
Messed me around for almost 2 months! Talked to me very unprofessional and belittling me telling me I had no other option... then I get a way better rate and payment elsewhere and they run my credit again and try to hold my appraisal that I paid for as long as possible!
Trustworthy place. Clear, concise with a sense of clarity. I have received excellent customer service during a very stressful time. Joseph Shalaby at E Mortgage Capital working on my claim was thorough and informative. Everything was explained to me in details and handled expeditiously. They help clients every step of the way.
Tip for consumers:
Joseph and E Mortgage Capital were great from beginning to end.
Products used:
Home Loans
The EMortgage Capital team is the best. I used them to re-finance my loan and it was the best loan process I've ever have. The team was thorough, efficient and not pushy. They made the entire process very easy. I was able to reduce my interest rate by 200 bps which has cut hundreds off of my monthly payment. I recommend Joseph Shalaby!
Tip for consumers:
Best Mortgage Services provider agency in Santa Ana
Products used:
Refinance
Joseph Shalaby was so helpful and kind! We really appreciated all the advice he gave and honest opinions! Really made sure we were comfortable and understood everything! Over all so greatful for this place and the help offered. Definitely recommend!
E mortgage capital Providing amazing services. Joseph shalaby is really very hardworking person.my experience with mortgage has very good. Thank you.
Midpoint of my loan Michael Cecero my loan rep stop all communication I had to reach out to the Manager to hear the status of the loan. I was not approved perhaps that is why the agent lost interest in communicating at all with me. I wouldn't recommend working with them.
Tip for consumers:
Get out of the customer service business if you cannot do it right,
Products used:
Refinance
I would recommend Joseph Shalaby to anyone, Great person. He stay on top of everything! He care about your deal and strive to get it done.
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".
Joseph Shalaby was recommended to me by my realtor and was AMAZING every step of the way! We did a 21-day escrow and he was quick and efficient and made the process as easy as it could possibly be, writing letters, making calls and connections, and giving us al necessary information. I would definitely use Joseph Shalaby again.
I wouldn't recommend this company if you are self-employed. I wasted so much time with no results with them.
I'm a physician having my own Inc. practice for 20 years with solid, steady, and sustainable income. I was trying to get $700 - 20 years loan to refinance my 1.3M property to lower interest rate.
Gosh, these people have given me such a hard time, coming out with new and new requests. For example, after I sent them my credit cards reports, they asked me to make front and back photocopies of my all 3 business credit cards and send to them. Next thing, they asked me to make Zero balance on all 3 business credit cards, considering, that I have high 700s credit reports, and I have never been late on any of my payments, including to the credit cards. I made credit cards payments before billing cycle to bring the balance to Zero, but one of the business cards still had $30-something just billed to it, so they kept saying, that they couldn't accept it for prove, that my credit cards are paid off unless it is Zero.
In order to make it Zero, I'd needed to stop all my business operations, and cancel the business credit cards altogether. Ridiculous request for a business. William (Rick) Dale, senior loan officer, and Martin Rodriguez, loan processor were not helping; in fact, blaming me for being upset with the ridiculous requests.
One of my best friend suggested this mortgage company to me and I proceed with this company and trust me I am very happy the way they teated me with my request. We have successfully finished our home loan with the top e mortgage company.