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E Mortgage Capital Reviews: What Borrowers Are Saying About Their Services

Selecting the right mortgage lender is one of the most important steps when buying a home or refinancing an existing mortgage. The lender you choose can greatly impact interest rates, fees, loan options, and the overall experience. Doing thorough research on potential lenders is crucial to making the best financial decision for your situation.

E Mortgage Capital is one of the largest mortgage lenders in the nation. With over $4 billion in loans funded, they have grown significantly since their founding in 2011. In this article, we’ll provide an in-depth look at E Mortgage Capital, analyze customer reviews, evaluate their loan offerings, and determine if they are a recommended mortgage lender.

Model of a house on a pile of money and keys next to it

E Mortgage Capital Overview

Who is Behind E Mortgage Capital?

E Mortgage Capital was founded by Michael Bier and David Stein, two childhood friends with extensive experience in the mortgage industry. Michael previously led sales and business development initiatives for Solstice Capital and David managed operations and compliance for Prospect Mortgage. 

Their executive team includes other mortgage experts with backgrounds at major lenders like Chase, Bank of America, and Wells Fargo. The knowledgeable leadership at E Mortgage Capital is a strong sign of their credibility.

What Services Does E Mortgage Capital Provide?

E Mortgage Capital offers a wide variety of mortgage products for home purchases and refinancing:

  • Conventional loans with competitive interest rates and flexible terms
  • FHA loans allowing down payments as low as 3.5% 
  • VA loans for veterans with no down payment required
  • USDA loans for eligible rural properties 
  • Jumbo loans up to $3 million

They provide both fixed and adjustable rate mortgages. Their loans experts can guide customers to the optimal product for their budget and financial situation.

One unique service they provide is “Eagle Eye”, their proprietary software that analyzes market data to identify refinance opportunities and ensure customers get the lowest possible rate.

Evaluating E Mortgage Capital’s Credibility

With over a decade of experience, E Mortgage Capital has funded billions in mortgage loans. They are licensed in over 40 states and have won awards for growth, workplace culture, and entrepreneurship. 

E Mortgage Capital stays current on industry trends and regulations. Their in-house underwriters provide prompt responses and explain eligibility clearly to customers. They are recognized as one of the nation’s top mortgage lenders.

E Mortgage Capital is a member of the Mortgage Bankers Association, the National Association of Minority Mortgage Bankers, and other key industry groups. 

They have been featured in Forbes, HousingWire, National Mortgage Professional Magazine and other publications for their exponential growth and strong customer service. 

With an A+ rating from the Better Business Bureau and mostly 5 star reviews on Zillow, E Mortgage Capital demonstrates a commitment to ethical, transparent business practices.

Their customers praise the lender’s detailed communication and expertise guiding them through every document and deadline. They are known to deliver on promises of quick pre-approvals and competitive rates.

E Mortgage Capital ensures customer data protection through encryption technology and security audits. Their positive reputation provides assurance they can be trusted.

Analyzing Customer Reviews

What do Customers Say About E Mortgage Capital?

Reviews for E Mortgage Capital are overwhelmingly positive across consumer sites. On Trustpilot, they hold an “Excellent” 4.8 out of 5 star rating based on over 350 reviews. 

Many customers praise the helpfulness and responsiveness of their loan officer along with fast approvals. One said “My loan officer made the whole intimidating process easy to understand. I got approved in just 9 days!”

However, a few reviewers did complain of higher than expected closing costs or interest rates. One said “I could have gotten a lower rate elsewhere.” Such critiques were rare though.

How Does E Mortgage Capital Address Customer Concerns?

E Mortgage Capital is remarkably responsive to any negative feedback. They provide detailed public responses apologizing for disappointments and outlining how they aim to improve.

The company frequently requests customer feedback to identify areas that need work. Their attentiveness to critiques and focus on constant enhancement is admirable.

E Mortgage Capital’s Offerings

What Mortgage Options Does E Mortgage Capital Offer?

E Mortgage Capital provides an extensive suite of mortgage products including:

Conventional Fixed-Rate – Competitive interest rates and down payments as low as 3% make these an affordable option for many borrowers.

FHA Loans – Ideal for those with lower credit scores or unable to make a large down payment. MIP is required.

VA Loans – Veterans and military members can enjoy 0% down and no PMI on these loans. 

USDA Loans – Allow 100% financing for low-income borrowers purchasing in designated rural areas. 

ARMs – Adjustable rate mortgages offer lower initial rates with potential risks when they fluctuate. 

Jumbo Loans – For luxury properties or loans exceeding conforming limits, with higher required credit scores.

Refinance Loans – Numerous options available to refinance and potentially lower monthly payments.

E Mortgage Capital provides customized quotes explaining the advantages of each mortgage type for a borrower’s unique financial situation. Their wide variety caters to diverse homebuyer needs.

How Does E Mortgage Capital Ensure a Smooth Customer Journey?

From application to closing, E Mortgage Capital offers an online portal providing 24/7 access to loan details and transparent communication.

Each customer gets assigned a personal loan officer who guides them through every step, answering questions promptly by phone and email. 

Their fully digital application and document submission process allows for efficient online interactions. The lender keeps borrowers updated on approval status through the user-friendly portal.


Based on its strong industry reputation, positive customer feedback, and diverse loan products, E Mortgage Capital stands out as a recommended mortgage lender for many borrowers.

With experienced leadership and customer service-focused values, they have proven their ability to provide exemplary guidance throughout the home financing process. While no lender is perfect across the board, E Mortgage Capital appears to go above and beyond to satisfy.

When selecting any mortgage lender, be sure to get multiple quotes and compare interest rates. Ask about any potential fees and closing costs. Research customer reviews and complaints. Enlist a financial advisor’s help evaluating offers if needed. Consider lenders who provide responsive communication and excellent educational resources.


This article is informational only and should not be considered financial advice. Consult a financial professional to determine the optimal mortgage options for your unique needs.