Top Rated San Diego mortgage lenders
LOW RATES. LOW FEES. FAST CLOSINGS.
*Rates and fees are subject to borrower qualification and market conditions.
Dennis at E Mortgage Capital is committed to helping clients reduce the stress often associated with home financing. By guiding them through what can be a complex and emotional process, Dennis provides clear communication, expert advice, and personalized support every step of the way—helping ensure they are well-prepared to secure the financing that best fits their needs.
E Mortgage Capital is a trusted mortgage lender dedicated to helping homebuyers and homeowners achieve their financing goals with confidence. By offering access to a wide range of loan programs through an extensive network of lending partners, E Mortgage Capital provides competitive financing solutions tailored to each client’s unique needs.
Whether you’re purchasing your first home, refinancing an existing mortgage, or exploring specialized loan options, Dennis Sakofsky and E Mortgage Capital are committed to delivering knowledgeable guidance, responsive communication, and a smooth lending experience from application to closing.
Buying or refinancing a home is one of the most important financial decisions you’ll ever make. That’s why Dennis Sakofsky and E Mortgage Capital are committed to providing honest guidance, clear communication, and personalized mortgage solutions tailored to your unique goals.
We understand that mortgage financing can feel overwhelming, and not everyone has the time to review every detail of the process. Our role is to help you navigate each step with confidence, ensuring you understand your options and make informed decisions that are in your best interest.
Integrity, transparency, and exceptional service are at the core of everything we do. By putting our clients first, we strive to build lasting relationships based on trust, earning referrals through outstanding service and a commitment to helping families achieve their homeownership goals.
customized mortgage solutions
Types of Home Financing
Find the Best Mortgage for You
Types of Home Financing
We Find The Loan That is Right for You
Conventional loans are a popular mortgage in California for people who have a steady income and an established credit score.
Conventional loans are the most popular type of mortgage in California thanks to no upfront mortgage insurance and a quick underwriting process. A conventional loan is a great option for anyone that wants to put down as little as 5%, has a steady income, and an established credit score! Learn more about conventional loan limits in California below.
FHA Loans
FHA Loans in San Diego and California are a great option for first-time homebuyers.
FHA loans are a great option for people who cannot afford to put down more than 3.5% of the purchase price, have gone through financial hardships like foreclosure or bankruptcy, and want an affordable monthly payment. The Federal Housing Administration backs these mortgages and they come with mortgage insurance built in!
Jumbo mortgage loans are designed to provide financial options for people who want to buy a home above the conforming loan limit of $548,250 to $822,375 (depending on your county) for 2021.
A jumbo loan in California offers competitive rates with additional benefits that can provide you more purchasing power and leverage. This program is great for those looking to finance a more expensive property and access the maximum financing available without having any problems qualifying under normal guidelines.
First Time Homebuyer Programs
First time home buyer programs California can make your first home purchase affordable.
Down payment requirements and high-interest rates shouldn’t stop you from purchasing your first home! We offer a variety of programs for first time homeowners in San Diego and California.
Our first time home buyer programs in California offer low interest rates and don’t require a high credit score or large downpayment. Learn more by visiting our first time homebuyer page below.
Refinancing Loans
Refinancing presents a way to lower your monthly payments, extend the length of your loan, or combine both.
The economy is improving, but why does it still feel hard to make ends meet? Is the mortgage you took out before the recession to buy your home holding you back? Whether you’re looking to lower your monthly payments, stretch your budget, pay off debts that are due, find some extra cash or want a combo that solves all these problems – our mortgage refinancing options can provide you with the financial freedom you deserve.
To many Americans, the VA loan program is an absolute dream. Backed by the U.S. Department of Veterans Affairs, VA loans are designed to help active-duty military personnel, veterans and certain other groups become homeowners at an affordable cost without any down payment or mortgage insurance required in addition to being lenient on qualifying rules for these people. If you’re a veteran looking for ways to save money while securing your future with a home, this might be the perfect option for you! Learn more about California & San Diego VA loans below.
VA Jumbo Loans
A VA Jumbo Loan is a great option for military homeowners looking for a larger sum.
VA jumbo loans are a great option for veterans who want to purchase their first home, or for those looking to upgrade from an existing property. VA jumbo loans provide you access to higher-priced properties while still utilizing your VA loan benefits such as $0 down and low rates. Learn more about the benefits of a VA jumbo loan below.
About
Trusted Mortgage Solutions For Every Homebuyer
There are many mortgage companies in San Diego and throughout California, so why choose us? At E Mortgage Capital, we focus on providing personalized mortgage solutions, competitive loan options, and expert guidance tailored to your unique financial goals. Our commitment is to help you find the right loan program with honest advice and exceptional service every step of the way.
Professional, Dependable, Experienced mortgage lender California
Your Search Ends Here,
Continue With Confidence
We know that purchasing a home can be overwhelming. That’s why we make the loan process as easy as possible and take care of all your needs! The entire loan process is completed locally to ensure your experience is quick and painless from application to closing. We’ve got you covered with competitive rates, an array of mortgage options, and fast service!
Professional
We deliver professional services that are well-advised and affordable. As one of the top mortgage companies in San Diego, we prioritize building strong relationships with our clients, and we work hard to find the loan that’s right for each individual.
Flexibility
We offer a wide variety of loan programs that allow flexible terms tailored to each unique situation. With so many options, it’s impossible not to find one that suits your needs and budget!
Efficient
Our loan processing and closing times are some of the lowest in the industry – and that is something we’re really proud of. This way, we don’t become a barrier in your plans but a facilitator instead. We’ll worry about closing the loan; you move on to other aspects of your life.
Knowledgeability
Our San Diego mortgage lenders are well prepared and responsive to your needs! We provide a personal touch that will keep you confident because all our lending officers cultivate meaningful relationships with our clients to ensure their mortgage supports their path.
Versatility
We host a wide range of mortgage and home loan options for our customers. From VA loans to Jumbo loans, refinancing, and more, you’ll find it all at E Mortgage Capital. Not only that, but you simply have to get in touch with us and we’ll study your case to make recommendations on the loan that suits you.
Excellent Rates
E Mortgage Capital has access to hundreds of wholesale lenders to take advantage of the most competitive rates. We can also adjust the term of your loan to meet your changing financial goals; these are just a couple of the ways we can help.
Over 20 Years Experience
If you're looking to buy, build, refinance, or renovate your home, then we can help!
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