Refinance Your Home Mortgage in Costa Mesa and Lower Your Interest Rate with E Mortgage Capital

Mortgages rates are still at historic lows. However, getting the lowest rates for a refinance is complicated by the numerous interest overlays (or additions) added by lenders to increase their profitability.  When you look at an advertised rate as a brick and mortar lender, the rate they show you is for a perfect loan candidate that fits a very narrow credit profile.  In reality, the bank may add interest overlays will increase the cost of the loan based on a perceived risk of lending to a borrowers by the bank’s underwriter.

How do you wade through all of the different scenarios of all the different lenders available? E Mortgage Capital is a full service Mortgage Broker that will cut through all of the underwriting issues and find the best mortgage product with the lowest interest rate available for your particular situation.

Getting a lower interest rate can literally save you thousands of dollars over the life of the loan. Now is the time to refinance your loan if you are in a higher interest rate loan. The Federal Reserve has hinted that they will be raising interest rates in the near future that can dramatically affect the amount your monthly payment.

Choosing the right mortgage product is also a key when finding the lowest interest rates.  The professionals at E Mortgage Capital will work directly with and for you to determine the best mortgage product for your needs. Whether you need a 30 year fixed mortgage or an adjustable loan, E Mortgage Capital will help guide you to the best solution for you.

E Mortgage Capital offers clients a wide array of mortgage options at leading rates. A mortgage company approved by the federal Department of Housing and Urban Development (HUD), and by the Veterans Affairs (VA) E Mortgage Capital can offer Federal Housing Administration (FHA) government loans, VA Loans, HARP 2.0 loan options, stated income loans and sub-prime or hard money loan options.

If you live in Costa Mesa or the Orange County area contact E Mortgage Capital today by calling (855) 569-3700(855) 569-3700 FREE or you can apply on line to refinance your loan.