Mortgage Loan Programs

Find the perfect financing solution for your home purchase

Popular Loan Programs

FHA Loans

Low down payment options with flexible credit requirements

  • ✓3.5% down payment
  • ✓Credit scores from 580
  • ✓First-time buyer friendly

VA Loans

Exclusive benefits for veterans and active military

  • ✓Zero down payment
  • ✓No PMI required
  • ✓Competitive rates

Jumbo Loans

Financing for high-value properties

  • ✓Loan amounts over $766,550
  • ✓Flexible terms
  • ✓Portfolio lending

Non-QM Loans

Alternative documentation loans for unique situations

  • ✓Bank statement loans
  • ✓Asset-based loans
  • ✓Self-employed options

DSCR Loans

Investment property financing based on rental income

  • ✓No personal income verification
  • ✓Multiple properties
  • ✓Cash flow based

First-Time Buyer

Special programs for first-time homebuyers

  • ✓Down payment assistance
  • ✓Educational resources
  • ✓Grant programs

Specialized Loan Programs

Bad Credit Mortgages

Solutions for credit challenges

Bankruptcy Mortgages

Post-bankruptcy financing options

Foreign National Mortgages

Loans for non-US citizens

Self-Employed Mortgages

Flexible income documentation

Bank Statement Loans

Income verification via bank deposits

Why Choose E Mortgage Capital?

150+
Loan Programs

Access to the widest variety of mortgage options in California

5.0★
Google Rating

Real, verified reviews from our clients

15+
Years Experience

Licensed and trusted across California

Ready to Get Started?

Find out which loan program is right for you

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NMLS #2055084 | DRE #02154132