40 Years of Expertise, One Family’s Promise

The Dream Team at E Mortgage Capital is a family-owned and operated business. The principal owners are childhood friends that have a combined 40 years of extensive experience in the mortgage industry. Each brings their unique talents and strengths to the company. This approach allows them to focus their attention on different aspects of the business to better serve their team members.

Why choose The Dream Team at emc?

The Dream Team at E Mortgage Capital was founded on two principles – providing the fastest and most seamless mortgage experience possible, while also bettering the communities in which we serve.

Years of Experience
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5 Star Reviews
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INTEGRITY AND TRUST

We prioritize honesty and transparency, building lasting relationships with our clients based on trust and reliability.
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DEDICATED TEAM

Our team focuses on every aspect of the mortgage process, providing comprehensive support and guidance.
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PERSONALIZED SERVICE

Tailored solutions to meet your unique needs, making the mortgage process smooth and stress-free.
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How we stand out

We strive to offer unparalleled service to our borrowers. This includes a lean and simple process,
a dedicated loan officer who can offer different customizable loan options with very attractive payment terms.

15-minute loan approvals

FICO options down to 500

Non-QM & No income options

Flex rate options

Access to multiple lenders and investors

Reverse & Reverse Jumbo options

Access to Down Payment Assistance programs

Bank Statement Loan options

40 Years of Expertise, One Family’s Promise

E Mortgage Capital is a family-owned and operated business. The principal owners are childhood friends that have a combined 40 years of extensive experience in the mortgage industry. Each brings their unique talents and strengths to the company. This approach allows them to focus their attention on different aspects of the business to better serve their team members.

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The Dream Team at E Mortgage Capital stands as one of the largest and highest-producing self-sourcing groups in the company. With over 30 loan officers operating across 25 states and expanding, our dedication to timely loan closures is unmatched, achieving some of the best start-to-“clear-to-close” times in the industry. Our team benefits from outstanding internal leadership, offering responsive support and comprehensive training to set you up for success from day one. We understand the demands of this competitive environment and are committed to helping each other succeed.

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What Our Clients Says

Armad Edmonds

If I could put 100 stars I would. I would recommend Luis Guajardo, Division Manager/Loan Originator NMLS 222134, to anyone looking for a mortgage broker. Luis has worked with me diligently since October to at first provide me with a road map to pre qualify. And what loan options I have! All the way to closing on my very first home!

Marcos Gonzalez

Dave Jimenez is not just a colleague but a true professional in the mortgage industry. His knowledge and dedication to his clients are admirable. Dave goes above and beyond to ensure his clients receive the best possible service and rates. Working alongside him has been a pleasure, and I highly recommend Dave Jimenez for anyone seeking mortgage services. Keep up the excelent work, Dave

Enoch guerrero

Luis made the process very smooth and simple. Great at communicating clearly and quickly. He was always able to answer any questions I had and very knowledgeable.

Tammy Smith

Dave was incredible to work with when I was purchasing my home. He is highly knowledgeable, and is quick to respond to market conditions. Additionally, he is both sensitive to customer needs and can walk you through challenging times. I highly recommend Dave’s services and professionalism.

rayray

Luis was so great in helping us get our dream home. He always kept in contact with us on everything all through the process. And if we had any questions, he was always available to answer. When it comes to getting the job done, this guy doesn't mess around. Even on his vacation time he is was working for us. I definitely recommend Luis to anyone.

Mandy Kaur

Dave is an exceptional mortgage broker. He delivered what he promised & got us the best available rates. We are completely impressed with the professionalism & expedited approval.

Mark n. Murray

Hands down the best mortgage lender we’ve ever dealt with!! Never dropped the ball through the whole process unlike our realtor who constantly dropped the ball… Luis was extremely knowledgeable experienced and professional!! No matter what day of the week or time of day he was there to answer our questions and get us the information we needed!! Couldn’t have bought our dream home without him!! Highly highly highly recommend!! Can’t go wrong with Luis Guajardo!!

John Bassett

Dave was the best! Our transaction was was handled quickly and I always knew exactly what next step was. I will definitely be recommending PNW to friends and family!

Jacquie Armstrong

Our son refinanced his home through Mathew Yates, NEXA Mortgage LLC and had such a great experience that we decided to call him for our refinance. It was so easy and fast. All done on line except for the signing and they had someone come to our house at our convenience for that. All questions were answered almost immediately. They did all the work in finding us a great loan. I would definitely recommend NEXA Mortgage.

Evan Lieberman

Luis helped me buy my first home and he made the process smooth and uncomplicated. He was easy to talk with and easy to work with. He also helped me refinance my loan a few years ago when there was an opportunity to lower my monthly payment. Luis is trustworthy and knows his stuff

Se8mus

Dave was thorough, responsive, friendly, and knowledgeable throughout the process of helping us with our mortgage loan. I highly recommend Dave and am extremely appreciative of him and all his hard work and dedication.

Mark Turcotte

I had the pleasure working with Carolina and her services she provided was top notch! Thanks again for all your help!

Diana Gomez

Carolina is great to work with. Her attention to detail is like none other. She prides herself on making sure her clients have the best experience possible. It definitely helps that she is fluent in Spanish too. I highly recommend her if you are looking to purchase or refinance your home in Florida or Illinois.

Alisha Pasternak

I haven’t worked with Matt before but I had heard great things. After dealing with another mortgage broker on a big home purchase I was ready to switch and glad I did. Matt is very attentive to all changes throughout the process and knowledgeable on every front. Thanks again Matt!

Rebecka Greer

We are extremely happy with our refinance experience. Matt was very knowledgeable, and easy to work with. He kept us updated and in the loop of what was going on 100% of the time. Highly recommend his services!

Brianna Bogen

Carolina is an energetic and enthusiastic professional. She has always taken care of my clients. She works hard to ensure my clients goals are met in the most efficient way possible while always keeping a smile on her face! I absolutely recommend her and always look forward to our deals together.

Andrew Anglin

Matt was easy to get along with, very responsive to our calls, texts and emails. He made our refinance process smooth and quick. We got the best deal and have recommended him to all our friends.

Rodney Riley

Responsive, creative, proactive, and worked a miracle or two for me on a short timespan. Highly recommended! Even long after the purchase of my home, Mathew continues to be of service... and truly makes me feel like a valued client for life.

Krista Simmons

Carolina TRULY cares about the families she works with. From the very first meeting to closing day celebration, she is there with a kind smile to support the process and ready to overcome any obstacle with professionalism and expert ease. I highly recommend Carolina for any of your loan servicing needs, she is an amazing real estate partner!!

LeAnn

I worked with Luis G. though my home buying process and I could not be happier. His experience shows and he always was readily available and had answers to my questions. Highly recommend using him as your loan officer.

John Bassett

Dave was the best! Our transaction was was handled quickly and I always knew exactly what next step was. I will definitely be recommending PNW to friends and family!

amol parikh

Matt was great to work with. He walked us through the process and gave us very accurate numbers as part of our loan estimates. There were some hiccups with the lenders but Matt was very prompt in following up with them and keeping us in the loop. He was also one of the only loan originators who was willing to even talk about a jumbo loan. During the process he kept pushing the lender to close on the required date and when they werent able to he was able to get us a 2 week extension on the rate at no cost. I would highly recommend matt to anyone wanting to finance their first house or refinance.

Kim “Kim Turcotte Realtor” Turcotte

I’m thrilled to write this review for Carolina. Her professionalism and proficiency in her work are truly unparalleled. Carolina consistently demonstrates exceptional level of expertise, making her a standout in her field. Her dedication to our success and other clients has been evident in every interaction. She will go above and beyond to ensure your needs are met and exceeded, and I am grateful to have met her and partnered with her in my transactions. One of Carolina's most remarkable qualities is her clear commitment to her work. She approaches every project with enthusiasm and a tireless work ethic, always striving for the best possible outcome. Her communication skills are exemplary; she keeps all parties informed, listens attentively, and addresses concerns promptly and effectively. I appreciate her open door policy, which allows for clear communication at all the time.

Melissa Mcginnis

Luis made the very daunting process of purchasing a new home much less stressful than we were anticipating. My husband and I truly appreciated his step-by-step explanation of the process and what we needed to do to get it all done.

Cecilia Yanez

5 Star

Rodney Riley

Responsive, creative, proactive, and worked a miracle or two for me on a short timespan. Highly recommended! Even long after the purchase of my home, Mathew continues to be of service... and truly makes me feel like a valued client for life.

Nathan Obregon

Luis is a true professional ALWAYS willing to go the extra mile for his clients. Luis has helped me on several occasions and I HIGHLY recommend him for your mortgage needs.

Matthew Meyer

Mathew is experienced and will work to get you what you need. He was able to secure a lower rate for me even after he locked in my initial rate. He picked up his phone even when he was at home making dinner. He is very committed.

Sandra Villarreal

Thank you, Luis for all of your time, help, and dedication in making the purchase of my family's home possible. You are amazing and a true blessing. I appreciate everything you did to make this a reality.

Katie Miller

Mathew and his team were absolutely phenomenal to work with! He was quick to respond and always willing to help me understand anything I was needing clarification on. I cannot recommend him enough!

Morgan Leverett

Working with Luis was a breeze, communication was great!

Craig Johnsen

Delivered what he promised! Craig from Gig Harbor, WA I am self-employed and with COVID, I was have a difficult time refinancing my home. Matt Yates and his staff at Nexa completed the process in the timeframe first promised. They were responsive and attentive to every detail. I strongly recommend.

Martin mcginnis

Made the home buying experience easy.

Nick Corsaro

Mathew was professional, efficient and straightforward. it was a pleasure to work with him and i received the best rate and loan program on the market.

ernesto saenz

Great service from Luis... He took us by the hand throughout the entire process and helped us achieve this dream. Always several steps forward with the requirements and the steps we had to take for a great closing.. 1000% recommended!!

Robb Hays

Matt was very responsive and walked me through the whole refinance process. Got a great rate and the transition was seamless.

Ivette Rodriguez

I can't express how grateful I am to Luis for everything he helped me with. He was with me from the beginning and explained everything to me in detail. All my questions were answered in a timely manner. It didn't matter what time it was he answered me. He is a person I highly recommend. Their knowledge and advice helped me make the rather tedious process enjoyable.

Irene and Mike Hong

Matt was responsive and looks our for his client. He’s great to work with and will work hard to find you the best rate available

Juan Romero

Luis Guajardo took me by the hand throughout the entire process and never gave up, he treated me as if I were a close family member and looked for all options to help me complete the purchase. To date, the best experience I have had when purchasing a property! So Hispanics, get your act together and seek help from Mr. Luis Guajardo for the purchase of your property in and outside of San Antonio TX.

Stephanie Sparkman

Great working with Matt, and his team . . . they think outside the box and 'get things done'!

Avimael Santiago

Luis Guajardo is an excellent person and the most important thing is that he speaks Spanish. He helped me buy my first house. He is very professional and has years of experience behind him. It was very easy to work with him. I recommend him. Great service and helpful person

surjit samra

You guys are best can’t bless you get done job in last minute very good team once again thanks so much see you guys soon for something else in future for other home and business thanks

Ana Montemayor

Luis helped us get the best interest rate on the market, highly recommended.

Hyrum & Emily Evans

Great personal attention to my needs and very professional staff Positive Responsiveness, Quality, Professionalism, Value

Melanie Ruiz

5 Star

States Where We Serve Our Clients

Explore our licensed operations across multiple states, ensuring comprehensive mortgage solutions tailored to your needs.

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