Whether you're lowering payments, getting cash out to remodel, or pre-qualifying for your first home purchase

Our team will take the time up-front and stay involved throughout the process to ensure

that you are satisfied with your new home loan for many years to come.

Get a Quote

Mike Johnson | Executive Loan Officer

(949) 287-3033

[email protected]

18071 Fitch #200, Irvine CA 92614

E Mortgage Capital NMLS # 1416824 | CA DRE #

NMLS # 1863156 | CA DRE #

About Me

Boasting 10 glorious years in the ever-evolving mortgage landscape, I stand as your consummate professional, infusing each client encounter with a bespoke touch of excellence. As your devoted mortgage ally, my singular aim is to demystify and streamline your journey toward owning a home. Fueled by an uncompromising commitment to stellar service, I remain at your beck and call every day of the week to meet your every need.Embracing each client's unique aspirations and financial narratives, I forge lasting bonds rooted in mutual trust and comprehension. My forte? Guiding you through the labyrinth of mortgage intricacies with ease. I lavish you with meticulous explanations, ensuring you stride forward feeling savvy and secure.But my mission extends beyond mere transactions; I am your steadfast guide, here to offer wisdom and direction whenever you seek it. Electing me as your mortgage virtuoso translates to enjoying unrivaled attention and advocacy. With me as your champion, watch the dream of homeownership bloom into vibrant life.

Loan Programs Available

We offer a range of loans—Conventional, FHA, VA, High Balance, Jumbo, and specialized programs for self-employed or investors like Bank Statement loans (6, 12, 24-month), DSCR, plus strong commercial lending and Private Money options. Or get fast digital HELOC access in just 5 days. Less paperwork, more convenience.

Why Choose E Mortgage Capital?

Make the smart choice with E Mortgage Capital – your ace for a trustworthy, distinguished mortgage journey. Harness the might of our profound skill and deep market savvy to navigate your mortgage process with finesse and speed. Enjoy the sweet victory of our rock-bottom wholesale rates, which put the power of savings right where it belongs – with you. Our bespoke loan assortment is meticulously crafted to address your individual needs, morphing financial dreams into reality. Revel in the marvel of our expedited closing – an impressive emblem of our unwavering commitment to your convenience. At E Mortgage Capital, we don’t just boast a stellar legacy of triumphs and competitive pricing; we champion a comprehensive service suite and lightning-fast closings. Choose us, not just for a mortgage but for a lifelong ally in your financial aspirations. With a vast reservoir of residential mortgage options, from conventional to the eclectic Non-QM loans, E Mortgage Capital stands as the quintessential provider, pledging a blend of education, trust, and a bespoke engagement designed to delight you, for life.