California-based Joseph Shalaby is the founding Broker and CEO of E Mortgage Capital Inc., a full-service mortgage company that offers extensive options for residential mortgages, with quick service and leading rates. Joseph Shalaby is a UCSB alumni graduating with honors in 2002 and has been in the mortgage industry for more than two decades, working hard to stay on the cutting edge of new mortgage products and alternative mortgage options.
Mortgage innovations are what allow his clients to select the absolute best loan products customized for their individual situations. Joseph Shalaby actively seeks to offer market-leading rates on mortgages, with an ability to lock loans online and lock in interest rates at a guaranteed rate for up to 90 days.
Mortgage innovations are what allow his clients to select the absolute best loan products customized for their individual situations. Joseph Shalaby actively seeks to offer market-leading rates on mortgages, with an ability to lock loans online and lock in interest rates at a guaranteed rate for up to 90 days.
Services
My fiance and I had a great experience with Nick Dempsey at E Mortgage. This is a great company who made the whole process so smooth and easy from beginning to end. Would highly recommend! I was refered to E Mortgage Capitol and My loan officer John Gearries is great and what he does. He has helped me on very difficult situations and will go above and beyond to get the best rate for your needs.
We are about autonomy, inclusiveness, and creating a lending experience that strengthens the relationship between borrowers and originators, not cheapen them. We are about creating value, trust, and taking care of people. Who does not like making a lot of money, and having independence while doing it?
Reviews (22)
Jonas Dangana
Jan 18, 2022
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Our professionalism, genuine kindness and bluntness at times when I needed to face reality are what made me progress. I invested $550 with Mrs. Taisha carson, and got $7200 in a week. I only wish I had known about her earlier from the first moment I decided to trade. Nevertheless, I am grateful! contact her via Email:taishacarson021@gmail.com Whatsapp: +1 (910) 502-3651
Geoff Andrews
Jan 17, 2022
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Kurtis Kooiman was awesome! Our refinance was complicated but we were kept updated throughout the process and despite some underwriting challenges, everything closed just as anticipated. It was clear that Kurtis was working hard for us behind the scenes and I would certainly recommend him & E Mortgage Capital. Thank you!
Kathie Jackson
Jan 06, 2022
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Tania Siemens
Dec 31, 2021
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Getting the loan was effortless with Jared Dayoub. He was so knowledgeable, helpful, informative, responsive, and proactive in supporting the process. He even managed to get my loan pushed through quickly during the slow holiday season. I really appreciated Jared's help and would highly recommend him and E Mortgage Capitol to anyone.
Abby Akinola
Dec 31, 2021
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Fariha Azfar
Dec 29, 2021
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We have worked with Jaikumar to purchase our first home. He is very responsible and responses to any questions we had as first time homebuyers as we knew nothing about the process, timing and all. He walked us through the process attentively and explained everything very patiently and made it extremely smooth and stress-free for us! He is quick and… follows up with you whenever needed. Super friendly! And we got to close the property way earlier than actual closing date. My husband and I are happy to work with him and we highly recommend him and his team if you are looking for mortgage options
Dean Wirtz
Dec 29, 2021
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Miruna Vlad
Dec 29, 2021
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Bob Arnold
Dec 27, 2021
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I'm 74 years old, I've been through this process a number of times, often it has been frustrating, time consuming, often mind-numbing.
Plain and simple, these guys, easily, are the best I've ever worked with
I very much enjoyed working with Oscar Senior, great guy, very good at his job, his communication skills are off the chart.
Best of all, the process was incredibly efficient, all was said and done in a very short time.
Thank you, E Mortgage Capital.
Thank you, Oscar.
RR
Plain and simple, these guys, easily, are the best I've ever worked with
I very much enjoyed working with Oscar Senior, great guy, very good at his job, his communication skills are off the chart.
Best of all, the process was incredibly efficient, all was said and done in a very short time.
Thank you, E Mortgage Capital.
Thank you, Oscar.
RR
C. J.
Dec 26, 2021
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Roya J.
Dec 07, 2021
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Azeez Tunde Muideen
Dec 03, 2021
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All praise to the most high 🙏 God have been helping me and my family all through this lockdown! Since this pandemic I have no source of income from anywhere not until when I found Mrs Kathrine, she was recommended by so many people online concerning online trade and investment I was left with $1000 that's I prayed to God not to loss my money to… online scammer ain't knowing she's a Godsent to me and my family I made $12,230 on my first trade and I have been making cool cash from this trade. I would also like to use this medium to refer those seeking a good online binary and forex
Rebecca Oloyede
Nov 23, 2021
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MY BEST TRADING EXPERIENCE EVER I have seen and tried different strategies and methods even lost a lot of money while trying. Until I was introduced to this new strategy that got me back on track and I have been able to regain my lost money and still making consistent growth on all of my trade. Mrs. Janet Wilder is an amazing trader, she steadily lifted me out of financial penury. If you are interested and tired of losing your money You can reach her on Email: Janetwilder7@gmail.com WhatsApp: +16266551232
Jerry Solak
Nov 13, 2021
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E Mortgage Capital was very easy to work with. Our agent helped us through the process and moved things quickly along. We were able to complete the Refi in about 3 weeks, considering our Refi was a little complicated.
I would definitely recommend E Mortgage Capital as a company to work with and their knowledgeable staff.
I would definitely recommend E Mortgage Capital as a company to work with and their knowledgeable staff.
John Gosselin
Nov 02, 2021
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It was smooth and easy. Loan was closed and funded in under 30 days. They were very persistent in finding the best deal with all available lenders for my specific needs. They were very transparent with their explanations of the loan breakdown and best of all, they answered almost all my phone calls and were very good about calling back in a timely manner.
Nga N.
Oct 31, 2021
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Our loan just got funded last week and I finally have the chance to give a much deserved review for Sarah Johnson. Let me share our back story, I am a realtor and my husband is a mortgage banker so we are in the industry. There are numerous reasons why we choose Sarah compare to others... the loan process was fast and communication was smooth. She was able to close our new purchase loan within 3 weeks. Rates and fees are very very competitive. Sarah was flexible and responsive when changes had to be made. We would highly recommend her to other friends and family or other industry professional since
Tracey Nickolson
Oct 14, 2021
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Eric Newport was awesome to work with as was Amber who handled the processing. Very responsive to questions. Communication is the key to great customer service and all E Capital teammates surpassed expectations!! My current mortgage holder was great as well but a much longer closing time. E-Capital was very quick. Highly recommend. I was in this business for 42 yrs so I know what can be done and E -Capital went over and above.
Chris M.
Oct 12, 2021
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Mike is unbelievable and is an absolute pleasure to work with. He is very detailed minded and his communication skills are stellar. He will call you right back and even call you late at night if and when you email a question and or concern you need answered. Rest assure Mike is on it!!!!! I cannot wait to work with Mike again!
Sarah Y.
Sep 29, 2021
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Ok, what do you write for a company that already has 5 stars reviews? Hmm..write another one?
I had the opportunity to work with TINA WON on my most recent home refinance and I was not let down! She was absolutely the best! Earlier this year, I had to refinance because I was going through a divorce and had to pull a loan under my name. I worked with a different company and a different lender and my goodness, it was horrific! There were so much errors and he kept asking me repeatedly for the same information. He even had the audacity to "man-splain" when he was in the wrong! Never again
I had the opportunity to work with TINA WON on my most recent home refinance and I was not let down! She was absolutely the best! Earlier this year, I had to refinance because I was going through a divorce and had to pull a loan under my name. I worked with a different company and a different lender and my goodness, it was horrific! There were so much errors and he kept asking me repeatedly for the same information. He even had the audacity to "man-splain" when he was in the wrong! Never again
Alan Z.
Aug 20, 2021
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After leaving the original review, several representatives from e-mortgage capital reached out and wanted to talk about my experience.
Honestly, I was not willing to speak with anyone from e-mortgage but one of the VPs named Chayson convinced me that he could make it right. He not only offered a great rate, but also patiently worked with me over the next few weeks and we finally closed the loan smoothly.
To me, that's very valuable and completely changed my mind about their customer service. Chayson, Ricky and the team went above and beyond to convert a truly unhappy customer to a happy
Honestly, I was not willing to speak with anyone from e-mortgage but one of the VPs named Chayson convinced me that he could make it right. He not only offered a great rate, but also patiently worked with me over the next few weeks and we finally closed the loan smoothly.
To me, that's very valuable and completely changed my mind about their customer service. Chayson, Ricky and the team went above and beyond to convert a truly unhappy customer to a happy
Angelin R. N.
Jul 29, 2021
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Recently bought a home and got my loan through E Mortgage. Worked with Matt to set up the loan. Matt communicates clearly & really knows what he is doing. Once I finalized the home, he was able to quickly set up the loan process, locked in my rate. Also got my appraisal waiver. Matt was very patient & answers my question. Got the loan closed on time.
I had very +ve experience. Highly recommended.
I had very +ve experience. Highly recommended.
Beth I.
Apr 07, 2021
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