E Mortgage Capital Reviews

I wrote a very negative review about eMortgage Capital a week ago, and rightfully so. If you happen to have read that review I now want to emphasize that my bad experience was due to the poor performance of one individual at eMortgage, and that review should not reflect on other employees at that company. After I contacted the CEO, Joe Shalaby, he took corrective action with that employee and assigned someone else, Mike Barrios, to my account. Mike and his team were very attentive and aggressive in moving my transaction forward and getting it closed with what turned out to be a very acceptable outcome. It is often said that it is more telling on how a company deals with an unhappy customer as opposed to how they try to keep a customer happy in the first place. I give eMortgage Capital high marks for how they ultimately responded once I escalated the matter. I would definitely recommend you give them a chance.

Got a letter in the mail claiming low interest rates. Left 2 messages and finally got a call back. After being promised for the last 5 business days my loan "should be out of underwriting today and you shouldn't need to supply additional documentation" I get a list of 6 items that need to be addressed. After looking at the list only 2 items had not been addressed from the initial intake. On top of all of these things the interest rates were much lower than they are today and now they won't lock my rate until these items have been addressed.

My experience with E Mortgage Capital has very very nice. Thank you for your good services. All staff is good at their work

It is now November 2nd. I started my loan process with Joe on June 11th. I have spoke to him only twice during this process. I have even emailed him to get involved many times. I have provided any requests of him and his staff with any financial information they asked for. I have worked with Nolan. Dora, Marlene and now Roger. Do you think any of them would be able to get my loan approved after almost 5 months. "NO" Updated documents have been provided to his "Underwriter" at least 3 different times. There is no follow up from anyone on his team or Joe himself. I'm the one calling weekly to see what progress has been made. If you decide to refinance you home, make sure you don't choose E Mortgage Capitol to work with. "Their TERRIBLE" "FRUSTING" "NON RESPONSIVE" "JUST PLAIN OUT WORTHLESS".

I wouldn't recommend this company if you are self-employed. I wasted so much time with no results with them.
I'm a physician having my own Inc. practice for 20 years with solid, steady, and sustainable income. I was trying to get $700 - 20 years loan to refinance my 1.3M property to lower interest rate.
Gosh, these people have given me such a hard time, coming out with new and new requests. For example, after I sent them my credit cards reports, they asked me to make front and back photocopies of my all 3 business credit cards and send to them. Next thing, they asked me to make Zero balance on all 3 business credit cards, considering, that I have high 700s credit reports, and I have never been late on any of my payments, including to the credit cards. I made credit cards payments before billing cycle to bring the balance to Zero, but one of the business cards still had $30-something just billed to it, so they kept saying, that they couldn't accept it for prove, that my credit cards are paid off unless it is Zero.
In order to make it Zero, I'd needed to stop all my business operations, and cancel the business credit cards altogether. Ridiculous request for a business. William (Rick) Dale, senior loan officer, and Martin Rodriguez, loan processor were not helping; in fact, blaming me for being upset with the ridiculous requests.

I never thought I would be saying this about a mortgage broker, but the experience working with Joseph on my refinance was great. Joseph always replied promptly to my questions (sometimes within minutes). I am happy with the rate he helped me acquire (have you ever heard of 2.8% apr 15yr for a tenant occupied condo? I haven't before this). Usually I am skeptical of things that sound too good to be true, but this really worked out. I highly recommend working with EMortgage Capital. Thanks Joseph!

I have used EMortgage Capital. All for my last 3 loans, each time the process has gotten easier. This time I worked with Joseph. I have To say working with him was amazing. Most professional people I have dealt with. I was only able to give 5 stars. But really I would give them 10. Do yourself a favor if your looking for a loan call E Mortgage Capital and ask for either of them. Great company to work with.

E Mortgage Capital providing good loan service in lowest interest rate. i am really happy from their services. thanks to mr. joseph , who is ceo of E Mortgage Capital.

E Mortgage Capital Providing me home loan within 14 days in lowest interest rate. Loan officers give me great advice. I am very thankful and happy with their services.

The E mortgage capital provides good services, team of e mortgage capital has very helpful and kind. I really happy with their service. Thanks

E mortgage capital Providing my housing loan at lowest interest rate. Loan officers give me great advice. I am very thankful and happy with their services.

Had an very smooth experience working with Joseph Shalaby. I appreciated his transparency, helpfulness, and overall did not feel under pressure at all talking to him. He made sure to explain every little detail throughout the process. I couldn't ask for a better person to work with!We highly recommend him and would definitely use his services again.

Joseph Shalaby was so helpful and kind! We really appreciated all the advice he gave and honest opinions! Really made sure we were comfortable and understood everything! Over all so greatful for this place and the help offered. Definitely recommend!

The EMortgage Capital team is the best. I used them to re-finance my loan and it was the best loan process I've ever have. The team was thorough, efficient and not pushy. They made the entire process very easy. I was able to reduce my interest rate by 200 bps which has cut hundreds off of my monthly payment. I recommend Joseph Shalaby!!

E mortgage capital Providing all types of loan in lowest interest rate and done our work in 14 days. i am really feel glad, from mortgage work. thank you.

E mortgage capital Providing amazing services .joseph shalaby is really very hardworking person.my experience with mortgage has very good. thank you.

Joseph Shalaby was recommended to me by my realtor and was AMAZING every step of the way! We did a 21-day escrow and he was quick and efficient and made the process as easy as it could possibly be, writing letters, making calls and connections, and giving us al necessary information. I would definitely use Joseph Shalaby again.

Joseph Shalaby, From E Mortgage Capital is truly the best.. He goes beyond to help you with whatever situation you are having with your mortgage.. It has truly been a pleasure having him assist me.. He definitely gets 5 stars..

Joseph Shalaby is an awesome guy to have working for you. My experience with Joseph has been outstanding. He is very honest and will never tell you anything he can't make happen. If you give him a chance to work for you he will not disappoint! Thanks Joe for the great service on my loans!

I would recommend Joseph Shalaby to anyone, Great person. He stay on top of everything! he care about your deal and strive to get it done.

One of my best friend suggested this mortgage company to me and I proceed with this company and trust me I am very happy the way they teated me with my request. We have successfully finished our home loan with the top e mortgage company.