©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.
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.
Reverse mortgage and other state disclosures: Licensing & Disclosures.