OUR SERVICES
Approved In As Little As 15 Minutes
IT’S EASY WHEN YOU HAVE AN INITIAL APPROVAL
Want to feel good about making a strong offer on your dream home?
Get an initial approval for your loan almost instantly when you work with independent mortgage professionals like us. Our cutting-edge process lets us do what big banks and retail lenders can’t and give you an initial loan approval in as little as 15 minutes — even on the weekends!
You’ll also enjoy greater transparency so you can gather any paperwork you need ahead of time and make sure your loan goes through as smoothly as possible.
Alternative Documentation Loans+ Real Estate Investing
WE OFFER MORE CREATIVE AND ALT-DOC FINANCING OPTIONS THAN ANY OTHER BROKER. RELATIONSHIPS MATTER.
Residential, Multi-Family, Mixed-Use, Commercial
If you're a business owner, 1099 contractor, or real estate investor that's looking for unconventional, or alt-doc lending options that don't require tax returns, I can help. Residential, Commercial, Business financing available in 35+ states.
✅ Investor Loans (Debt Service Coverage Ratio)
✅ Pure Bridge Loans | Fix-N-Flip | Ground Up Development
✅ Portfolio & Blanket Loans
✅ Delayed Financing (Get Funds Back After Paying Cash)
✅ Doc-Less Financing (Easy As Sunday Morning)
✅ Bank Statement Loans (12 - 24 Months. No Taxes)
✅ Asset Depletion (Leverage Liquid Assets As Income)
✅ Can be closed in an LLC (Limited Liability Company)
Bank Statement Loans
PUT BANK STATEMENT LOANS TO WORK FOR YOU
If you’re self-employed, gathering income documents or tax transcripts for a mortgage application can be a real hassle. That’s why we offer Bank Statement Loans – where you can simply provide bank statements to qualify for loans up to $3.5M.
✅ Min FICO credit score of 620
✅ No mortgage insurance required
✅ Available on primary, second home and investment properties
✅ As little as 6 months reserves required
Asset Depletion Loans
LEVERAGE YOUR LIQUID ASSETS AS INCOME FOR QUALIFYING
An Asset Depletion Loan allows you to use the current cash value of your liquid assets – instead of traditional income sources such as pay stubs and tax returns – to demonstrate your ability to afford timely mortgage payments. This program is ideal for borrowers who have adequate liquid assets but lack traditional employment and/or methods of income verification.
How It Works
With an Asset Depletion Loan, your income is calculated by dividing your total liquid assets over 360 months. Assets that qualify as liquid assets include retirement accounts, investment accounts, checking accounts, savings accounts, stocks, bonds, CDs, etc. You can use 100 percent of your cash and non-retirement investment accounts in calculating your total liquid assets if you are over the age of 59.5, and 70 percent if you are under 59.5.
✅ Non-retired and retired borrowers are eligible
✅ Not penalized on rates for leveraging your assets
✅ You can couple asset depletion income with other forms of income
✅ 75% maximum loan-to-value ratio (LTV)
✅ All occupancy and collateral types are allowed
✅ Up to 50% debt-to-income ratio (for FICO scores >650)
Delayed Financing Loans
GET YOUR MONEY OUT OF YOUR HOME AND INTO YOUR SAVINGS
✅ Refinance immediately after purchase.
✅ Close your loan in an average of 20 days.
✅ Free up your cash for other expenses or investments.
Doc-Less Loans
GET A FASTER, EASIER MORTGAGE OR REFINANCE WITHOUT THE HASSLE OF GATHERING FINANCIAL DOCUMENTS
Here’s how it works.
✅ You simply e-sign your loan documents
✅ We verify your income, assets and tax returns
✅ We notify you when your loan is approved
Adjustable Rate Mortgages
TODAY'S ADJUSTABLE-RATE MORTGAGES ARE A LOT DIFFERENT THAN THEY WERE IN THE PAST
And they may be the best choice for your purchase or refinance:
ARMs are smarter
✅ Most people only stay in their mortgage for 5 to 7 years. Why not go for the lower rate?
✅ With an ARM, more of your payment goes toward the principal, so you pay down your mortgage faster
ARMs are often safer
✅ ARMs no longer feature pre-payment penalties, so you can easily refinance
ARMs can save you money
✅ A lower rate means a lower payment, which means more cash in your pocket each month
WEALTH | FINANCIAL | RETIREMENT CONSULTING
Wealth Accumulation, Preservation,
& Protection
MY TEAM AND I ARE EXPERTS AT STRUCTURING TAX ADVANTAGED VEHICLES TO HELP YOU MEET YOUR FINANCIAL GOALS!
✅ Executive Bonus Plans
✅ Key Person Insurance
✅ 401K | IRA Conversions & Alternatives
✅ 529 College Savings Plan Alternative
✅ Guaranteed Income for Life Fixed Indexed Annuities
✅ Be Your Own Bank (Avoid Bank Interest + Compound Interest)
Workers Comp Risk Mitigation Platform
Save 20% - 30% on your workers comp premiums and claims. Significantly reduce Employee Turnover, Absenteeism, while increasing Productivity.
We specialize in the utilization and administration of the Section 125 P.O.P. (Premium Only Plan) - Preventative Health Plan. This program utilizes concise tax codes to install our platform in a way that there are "$0 additional net out-of-pocket costs" to the employer or the employee.
NMLS ID #1416824
For information purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval. E Mortgage Capital, Inc. d/b/a E Mortgage Capital, NMLS# 1416824. Equal Housing Lender
(NMLS consumer access: https://www.nmlsconsumeraccess.org/_)