Step 1
Get Pre-Approved Online
Step 2
Complete loan application
Step 3
Get your funding fast
Purchase and Refinance Conventional Lending Programs For:
Primary Residence
Second Home
Investment
Military
Life Changes
Reverse Mortgage
Investors Use Our Lending Programs For:
House Flips
Rental Properties
Renovations
Construction
Multi-Family
Commercial
Short Term Rentals
Bridge | TurnKey
Fix & Flip
Fix & Hold
LOAN PROGRAMS
HARD MONEY
BRIDGE LOAN
90% Financing
No Experience Needed
DSCR
INVESTOR LOAN
NO Income
No Employment ?
No Problem!
You qualify based on rental analysis to determine property cash flow. Debt service coverage ratio or DSCR is a measurement of a property’s expected cash flow to determine ability to repay a mortgage loan.
CONVENTIONAL
LOAN PROGRAMS
Conforming Rate & Term Loans
Cash-Out Loans
Jumbo Loans
Adjustable-rate loans
FHA Loan
VA Loan
USDA Loan
Home Buying Made Simple.
01.
Home buying made simple.
Before you start looking for a house come in and see how much you are qualified for and set goals for where you need to be when your dream home becomes available. After this is done you will receive a pre-approval letter.
02.
Go House Shopping
Now that you have your pre-approval letter its time to go shop. If you are working with a realtor they can begin showing you homes and submitting offers. If you don’t have a realtor I would be happy to put you in touch with one.
03.
Get Your Offer Accepted
YES! Your offer was accepted. But you’re not done yet. Now we gather all of the remaining documentation we need to get your loan closed. My team and I will be there for you every step of the way to make sure this process goes smoothly.
04.
It’s Moving Day
Congratulations! You have now successfully purchased your home and the keys are in your hands. The home buying process isn’t always easy, but taking that first step and getting prequalified has paid off. Enjoy your new home and all of the memories you are going to make there.
Get to know us.
With Brian and his team at E Mortgage Capital, we are YOUNITED to focus on “YOU”, not the transaction. Everything we do is designed to support our clients, and make lending easy.
► We deliver the fastest turn times in the industry. We leverage groundbreaking tools like UClose that give us the power to go from clear-to-close to closing in minutes instead of days.
►With direct access to our underwriters and support teams, we can communicate with you at lightning speed.
►We Provide the World-Class service you deserve. Here, relationships come first.
BRIAN BOWMAN – NMLS 2016766
CHARITY McCANNA – NMLS 2295821
————————————————————
E Mortgage Capital, Inc. – NMLS 2016766
