Complaints

This profile includes complaints for E Mortgage Capital's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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E Mortgage Capital has 20 locations, listed below.

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  E Mortgage Capital

  18071 Fitch Ste 200 Irvine, CA 92614-6087

  
• 

  E Mortgage Capital

  78-6831 Alii Dr Kailua Kona, HI 96740-2495

  
• 

  E Mortgage Capital

  2372 Morse Ave Ste 536 Irvine, CA 92614-6234

  
• 

  E Mortgage Capital

  27600 Bouquet Canyon Rd Santa Clarita, CA 91350-3711

  
• 

  E Mortgage Capital

  202 Fashion Ln Ste 118 Tustin, CA 92780-3319

  

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:07/03/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have informed the people calling me from MULTIPLE numbers that they cannot help me due to myself not having any mortgages right now. However they call 6 to 7 times a day and will not accept me telling them to stop! The pictures below are from Tuesday 7/2/25 and Wednesday 7/3/25.

  

  Business Response

  Date: 07/07/2025

  There are other companies that have the name E Mortgage in them, and we don't have systems that are set up to call people 6-7 times a day.  It appears these calls are coming from one of the other similar named companies.

• Initial Complaint

  Date:06/15/2025

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I had wanted to get info on a loan and no longer need it. I have told these ppl through text to not contact me and they keep reaching out. They will not leave me alone.

  

  Business Response

  Date: 06/16/2025

  It would be helpful if I had the name of the loan officer.  I have added you to our internal do not call list.  If you receive any further contact please send us the name of the loan officer to we can take appropriate action.

• Initial Complaint

  Date:06/09/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I received mortgage quotes when I am NOT looking to refinance my mortgage. I tried calling to see what is going on with this communication and determine if fraud is occuring and cannot reach a person when dialing their number.

  

  Business Response

  Date: 06/16/2025

  We purchased your information from the credit bureaus as someone who is likely shopping for a loan.  Our people are reaching out to see if we may be able to offer you a better deal.  Please try email address or phone number in the message.  Thank you.

• Initial Complaint

  Date:05/19/2025

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This business started a VA loan application, we had pre-approval. The veteran is moving states and is still employed in his current state. Emortgage capital is putting conditions on the loan that are no longer requirements for a VA loan, such as asking for a road maintenance agreement for rural properties. They stalled the loan because of that and now they're stalling about the veterans replacement job, which he cannot start until he has a home. Employment has been guaranteed at the current job and at the new job, when he moves. We're 3 weeks past closing and the veterans and his family are living in temporary housing, while the seller's are in temporary housing as well. E mortgage ******* has made zero effort to communicate and all parties are extremely frustrated by last minute conditions.

  

  Business Response

  Date: 05/19/2025

  We are not the lender on this loan.  Conditions are were added by the lender we brokered the loan to.  We have done everything we can to complete the loan for the borrower.  The borrower changed jobs in the middle of the purchase process and his employment on the new job is conditioned upon completing certain tasks which prevents us of actually showing proof of future income.

  Customer Answer

  Date: 05/19/2025

  The borrower did not change jobs. They are STILL employed with their current job in ********. They were supposed to close escrow on 4/28 but this company came back at the last minute with the invalid condition of a VA rural road maintenance agreement, which was a discontinued condition since 2022. This took a week to straighten out with your company. 

   

  The Borrower was supposed to move the end of April and had coordinated a new job in **********. Now this company is putting unnecessary conditions regarding the new job that has not even started. Even going as far as to tell the Borrower that they need to move states and start the new job...without having a home to move his already displaced family to.

   

  This company has delayed to long that 2 families are now displaced. They keep saying one more day, then they come back with more conditions that should have been addressed weeks ago. The Buyer meets the additional conditions to be met with MORE conditions. Everytime, it's another 48 hours to review and then they come back with another excuse not to perform.

  

  Business Response

  Date: 05/20/2025

  You are mistaken.  For the purposes of qualifying he is moving to another state where he will be starting a new job and that is the income he is using to qualify.  He was told weeks ago when this happened it was going to create a challenge.  The delay in this file is purely due to the borrowers choice, however having said that we are doing everything we can to get the loan closed.  We are not the lender and we are not putting up any conditions.  The lender we brokered the loan to has the right to be able to verify that the income on the new job is permanent and will continue into the future.

  Customer Answer

  Date: 05/22/2025

  This company has had the file for 8 weeks now. All of the Buyer's circumstances were made clear WEEKS ago. Any conditions regarding proof of employment should have been addressed then. Even when a condition is met, the Lender comes back with more of the same conditions but different language. This has gone back and forth for a month.  A big part of this frustration is the total and complete lack of communication...zero communication to myself, who is the Buyer's representative. They did, however, provide the Buyer's personal information to the Seller, which is a violation of his privacy.

  Of additional concern, is the qualification process of all the Brokers involved as well as the Lender. This Veteran was asked to provide personal information pertaining to his new hire process, such as his background check, drug test, and physical. All of this personal information was to be added to his loan file, which is a direct violation of existing anti-discrimination laws.

  The Buyer and Seller have been severely inconvenienced financially and emotionally over this transaction. 

• Initial Complaint

  Date:05/07/2025

  Type:Order Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I recently apply for a mortgage with a different company. This company reached out within a matter of hours on Monday, May 5. I have applied for a new mortgage in these jokers sent me a quote for refinance of my firm mortgage. I did not contact them first and they did not even know what I was looking for. I asked them to stop texting me and informed them they did not know what I was actually. Their loan officer continued texting me even though I had clearly asked him not to. I then asked him if he could read since I asked him to stop texting me. You then send screenshots of our conversation where it said I needed to opt out. Since when is it not enough for me to just say stop texting me? This guy was a complete smartass and I would never do business with this company based on how I was treated. The company should take action against the loan officer ******** ******** and compensate me for the wasted time and text messages after I asked him to stop contacting me

  

  Business Response

  Date: 05/08/2025

  Hello Mr. ************* apologize how this was handled.  Our system is set up to automatically opt consumers out when they follow the opt out instructions.  Our loan officer did not see your direct message, so the next response when out automatically.  He did see your subsequent message and removed you from our contact list.  The loan officer has been counseled that his response is not acceptable and in the future he will remove consumers when requested and inform them it has been done.

  Customer Answer

  Date: 05/08/2025

  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
  
  Regards,
  
  ****** ***
  
   
  

• Initial Complaint

  Date:04/29/2025

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Emortage in ****************** my new mortgage. They paid off all my debt bills but one. I was sent a chech to pay off ********** $517, at this time ********** had taken out a payment and they refused the check. I now owned $437. Emortage sent me a check for $437. But now ********* would not take the check because it was made out to __the/Cbna_. So I just paid it off from my debit account. Now getting reimbursed from ******** has been unreal. I have been told twice the check will come overnight. I have been told its in the mail twice, neither has been true for over two weeks. My agent is ******* at ************, she wont answer the if she knows who is calling!

  

  Business Response

  Date: 04/29/2025

  Wrong E Mortgage.  We are not in *******. we are in ******, ***   That company in **** is called E Mortgage Funding.  We are E Mortgage Capital.
  

  Customer Answer

  Date: 04/29/2025

  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
  
  Regards,
  We sent the complaint to wrong company. The correct comp. Is emotgage funding in Troy *** Please send to them.

  
  **** ******
  
   

  
  

• Initial Complaint

  Date:04/09/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have an open compliant (********) but unable to reply to it. I wanted to let you know that I have now received 2 more calls after I have told them to Cease and Desist and informed them I am going to record and they stopped talking. Also, as soon as I ask "Who is it", they are quiet and don't say anything. The following numbers are: ************ (*************, **) 4/9/25 @ 1033 ************ (***********, **) 4/7/25 @ 1538 I have never been to any of the places that are calling me and I believe this is a big scam and needs to be addressed accordingly.

  

  Business Response

  Date: 04/09/2025

  There is not enough information here for me to track down if the calls are coming from us or not but I have added you to our internal Do Not Call list.  If you get a call again please ask for the loan officers name and let us know and I can take action if they work for us.

• Initial Complaint

  Date:04/07/2025

  Type:Delivery Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  They werent professional and were very aggressive. Plus my number is on the do not call registry. Please do not call me.

  

  Business Response

  Date: 04/09/2025

  There are several companies with the name E Mortgage so I cannot be sure if these calls are coming from us.  I would be happy to add you to our internal do not call list so that you don't receive any further calls but the number you provided is incomplete.

• Initial Complaint

  Date:04/07/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Representatives from this company have called me several times a day for the past week. A particular Representative named ********* has called me a few of those times, but I remember him because he was extremely rude talking over me after I repeatedly asked to be placed on the do not call list for the company. I've asked to speak with a manager & that is when they hang up or pretend to transfer you, then hang up. When you call the numbers back, it goes straight to voicemail. The calls are mostly coming from a 953 area code.

  

  Business Response

  Date: 04/09/2025

  We don't have anyone in our company that is in a 953 area code.  There are other companies with a similar name to ours called E Mortgage

• Initial Complaint

  Date:02/12/2025

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I continue to receive calls from this company inquiring about my property and the mortgage. I am on the do not call registry. Ive told them and every time they just hang up but when I asked for a supervisor, they still hang up so I cant get removed from the calls

  

  Business Response

  Date: 02/13/2025

  There are several companies with the name E Mortgage, so I can't be sure this is our company calling, but regardless I have added you to our internal do not call list.