Licensing & Disclosures

Joseph Nguyen, Mortgage Loan Originator. NMLS# 1982137. California DRE# 02226466. Licensed in CA, TX, FL, AZ, OR, CO, WA, PA, VA, OH, TN, MO.

E Mortgage Capital, Inc., NMLS# 1416824. California DFPI Finance Lenders Law License #60DBO99575. California DRE Real Estate Corporation License Endorsement #01986350. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. For a full list of company state licenses, see E Mortgage Capital's licensing page.

For licensing information and consumer access, visit www.nmlsconsumeraccess.org.

Texas: Consumers wishing to file a complaint against a company or a residential mortgage loan originator should complete and send a complaint form to the Texas Department of Savings and Mortgage Lending, 2601 North Lamar, Suite 201, Austin, Texas 78705. Complaint forms and instructions may be obtained from the department's website at www.sml.texas.gov. A toll-free consumer hotline is available at 1-877-276-5550. The department maintains a recovery fund to make payments of certain actual out-of-pocket damages sustained by borrowers caused by acts of licensed residential mortgage loan originators. A written application for reimbursement from the recovery fund must be filed with and investigated by the department prior to the payment of a claim. For more information about the recovery fund, please consult the department's website at www.sml.texas.gov.

For reverse mortgages the borrower must meet all loan obligations, including living in the property as the principal residence and paying property charges, including property taxes, fees, hazard insurance, homeowner's insurance and ongoing maintenance (which may be substantial) in accordance with FHA requirements. We do not establish an escrow account for disbursements of these payments. Failure to meet these requirements can trigger a loan default that may result in foreclosure. The loan must be paid off when the last borrower, or eligible non-borrowing surviving spouse, dies, sells the home, permanently moves out, or does not comply with the loan terms.

Oregon reverse mortgage disclosure: At the maturity of a reverse mortgage loan, the lender will have a claim against your property and you or your heir(s) may need to sell the property to repay the loan, or repay the loan from other assets in order to retain the property. The lender will charge an origination fee, a mortgage insurance premium, closing costs and/or servicing fees, which fees will be added to the loan balance. The balance of the mortgage loan grows over time as interest is added to the loan balance. As long as you comply with the loan terms, you will retain title to the property until you sell or otherwise transfer the property, and therefore you are responsible for paying property taxes, insurance, maintenance and related taxes. Failing to pay these amounts may cause the loan to become due and may subject the property to a tax lien or other encumbrance and/or to foreclosure. Interest on a reverse mortgage is not deductible from your income tax until you repay all or part of the loan. Before obtaining a reverse mortgage, you should consult a trusted financial adviser or planner. There are government agencies and nonprofit organizations that can give you information about reverse mortgages. You can locate these resources at: consumer.ftc.gov, irs.gov, and consumerfinance.gov.

©2026 | E Mortgage Capital, Inc, DBA E Mortgage Capital | NMLS #1416824 | For licensing visit: http://nmlsconsumeraccess.org/ | 3750 S Susan Street, Santa Ana, California 92704 | (855) 569-3700 | Not affiliated with any government agency. For Advertisement Purpose Only. This is not a commitment to lend. All loans are subject to underwriting approval. Terms and Conditions apply. Not all borrowers or properties will qualify. Rates, terms, programs, and availability are subject to change without notice, and may not be available in all states. Other restrictions and limitations may apply. E Mortgage Capital, Inc. is licensed to conduct business in the states in which it operates. For licensing information and consumer access, please visit www.nmlsconsumeraccess.org. Equal Housing Lender.

Joseph Nguyen, Sr. Mortgage Advisor, NMLS #1982137, CA DRE #02226466, licensed in CA, TX, FL, AZ, OR, CO, WA, PA, VA, OH, TN, MO. E Mortgage Capital CA DFPI License #60DBO99575, CA DRE Corporation License #01986350. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. By refinancing your existing mortgage, your total finance charges may be higher over the life of the loan. Debt consolidation is taking your high-interest debt and rolling it into a lower-interest mortgage loan. Market rates shown are the Freddie Mac Primary Mortgage Market Survey national weekly average and are not an offer of credit.