Joe Shalaby of E Mortgage Capital, his approach was quite refreshing.
I have not had a credit card for over 15 years, and I don’t like debt. However, I feel it is justified with an important investment such as a family home, or an investment property. I had some unpleasant experience with mortgage brokers, but I must say that Joe’s approach redeemed the industry in my eyes. It seems that his E Mortgage Capital team takes the high road and helping borrowers stay within their means. I was ready to commit to more debt than I can comfortably handle, and to help me understand the calculations and projections, which broadly back down to earth, as far as what level of debt I could realistically and sustainably service.
I’ve seen several heartbreaking situations where two friends, and even a close family member, could not handle the level of debt they incurred to buy the house of their dreams, which turned over time from “the American dream”, to three nightmare scenarios. Each one of these families was left “underwater”, where their equity was less than the debt, and they lost significant deposits when their banks foreclosed other properties. Be very careful if you sent a mortgage broker is just trying to close the deal, to get the commissions. Wherever you are in the world, look for the telltale signs that I saw in Joe. If your mortgage broker pays careful attention to securing your family’s future, and ultimately her children’s inheritance, through prudent borrowing, then listen carefully to his or her advice. Don’t let emotions and excitement that come with the process of buying a new home, ruin your financial future.
Ankit S. - March 28, 2018 @ 04:52
Recently we received our home loan with E Mortgage Capital. We loved the whole process of the residential financial process. Joe Shalaby and his team are very supportive and helpful!
W. Bryson - April 3, 2018 @ 03:14
I am very happy with the refinance that Joe Shalaby did for me and my family. I want to say thank you and give Joe 5 stars.
John Sasser - September 14, 2018 @ 06:07
I worked with E Mortgage Capital on the purchase of my house and they jumped through every hoop to make the deal happen. The purchase was tough and we had a lot of hurdles but they spared no expense and were always on top of it any time we needed to get something to make the deal work. I am so thankful to Joseph Shalaby for going above and beyond my expectations.
I worked with E Mortgage Capital on the purchase of my house and they jumped through every hoop to make the deal happen. The purchase was tough and we had a lot of hurdles but they spared no expense and were always on top of it any time we needed to
Diksha T. - July 1, 2019 @ 10:21
One of my best friend suggested this mortgage company to me and I proceed with this company and trust me I am very happy the way Joseph Shalaby teated me with my request. We have successfully finished our home loan with the top e mortgage company.
One of my best friend suggested this mortgage company to me and I proceed with this company and trust me I am very happy the way Joseph Shalaby teated me with my request. We have successfully finished our home loan with the top e mortgage company.
Dr Nicholas - July 10, 2019 @ 06:38
Joseph Shalaby is an awesome guy to have working for you. My experience with Joseph has been outstanding. He is very honest and will never tell you anything he can’t make happen. If you give him a chance to work for you he will not disappoint! Thanks Joe for the great service on my loans!
Joseph Shalaby is an awesome guy to have working for you. My experience with Joseph has been outstanding. He is very honest and will never tell you anything he can’t make happen. If you give him a chance to work for you he will not disappoint!
Linda - October 31, 2019 @ 11:24
Joseph shalaby is real a very hardworking person. I really appreciate him. Thank you
sima - October 31, 2019 @ 11:33
My experience with Joseph has very nice. He is a very honest person. I want to say thank to you for all of the deal.
chiraag - December 26, 2019 @ 09:45
my experience with e mortgage capital has very nice… i am very thankful and happy from their services.
fred layman - January 2, 2020 @ 11:18
E mortgage capital provide good services. I am very thankful and happy with their services.
Selina - February 11, 2020 @ 10:01
my experience with e mortgage capital has very nice… i am very thankful and happy from their services.
sergey - February 18, 2020 @ 10:53
my experience with e mortgage capital has very good. Company Providing me housing loan in lowest interest rate.i am happy from their services.
marcresasco - February 22, 2020 @ 06:45
I am glad to work with E Mortgage Capital. Thank you so much all kinds of your’s guidance.
Long House - April 4, 2020 @ 09:08
I have used EMortgage Capital. All for my last 3 loans, each time the process has gotten easier. This time I worked with Joseph. I have To say working with him was amazing. Most professional people I have dealt with. I was only able to give 5 stars. But really I would give them 10. Do yourself a favor if your looking for a loan call E Mortgage Capital and ask for either of them. Great company to work with.
I have used EMortgage Capital. All for my last 3 loans, each time the process has gotten easier. This time I worked with Joseph. I have To say working with him was amazing. Most professional people I have dealt with. I was only able to give 5 stars.
Shkila - April 4, 2020 @ 09:52
If you would like a awesome experience refinancing your home, and no hassle then contact Joseph Shalaby at EMortgage Capital. I have dealt with Joseph on two occasions now and he and his fellow co-workers are always friendly, willing to go the extra mile to help get the loan done, and done quick. Thanks Joseph Shalaby and team for all you have done for my family and I it was a pleasure working with you all.
If you would like a awesome experience refinancing your home, and no hassle then contact Joseph Shalaby at EMortgage Capital. I have dealt with Joseph on two occasions now and he and his fellow co-workers are always friendly, willing to go the extra
Tamara - April 11, 2020 @ 08:57
My fiance and I are first-time homebuyers so we were relieved to work with someone who came so highly recommended to us. Joseph has been incredibly patient in guiding us through the complicated mortgage process. Joseph is efficient, encouraging, and eager to help! I don’t know what we would have done without Joseph!
My fiance and I are first-time homebuyers so we were relieved to work with someone who came so highly recommended to us. Joseph has been incredibly patient in guiding us through the complicated mortgage process. Joseph is efficient, encouraging, and
James Galbraith - April 26, 2020 @ 07:13
I never thought I would be saying this about a mortgage broker, but the experience working with Joseph on my refinance was great. Joseph always replied promptly to my questions (sometimes within minutes). I am happy with the rate he helped me acquire (have you ever heard of 2.8% apr 15yr for a tenant occupied condo? I haven’t before this). Usually I am skeptical of things that sound too good to be true, but this really worked out. I highly recommend working with EMortgage Capital. Thanks Joseph!
I never thought I would be saying this about a mortgage broker, but the experience working with Joseph on my refinance was great. Joseph always replied promptly to my questions (sometimes within minutes). I am happy with the rate he helped me acqui
Charles A. Miller - May 2, 2020 @ 05:30
Joseph and his team was great to work with during the refinance process. They were always quick to respond to my questions, even after-hours and on the weekend! They got me and my wife a great rate, cutting our monthly mortgage payment by just over 10%. They explained every step of the process and there were no unexpected hiccups along the way. We will be happy to work with EMortgage Capital again in the future.
Joseph and his team was great to work with during the refinance process. They were always quick to respond to my questions, even after-hours and on the weekend! They got me and my wife a great rate, cutting our monthly mortgage payment by just over 1
kENYON kANE - May 10, 2020 @ 02:32
There are no words to describe the experience with Joseph! If you get to work with Joseph, then you are extremely lucky since he will not only guide you through your transaction but he treats each and every customer like family. His goal is your success and we have been fortunate to have been working with him in all our funding needs for over 10 years now. He is wonderful and super efficient.
Thank you Joseph! You rock!
There are no words to describe the experience with Joseph! If you get to work with Joseph, then you are extremely lucky since he will not only guide you through your transaction but he treats each and every customer like family. His goal is your succ
Galvin - June 3, 2020 @ 05:46
The EMortgage Capital team provided us absolutely impeccable mortgage broker service delivery and results. The EMortgage Mortgage team saved us considerable time and effort by quickly finding us the perfect mortgage loan hassle-free and drudgery-free of having to managing the process ourselves. We highly recommend the EMortgage Capital Team for all your mortgage lending needs.
The EMortgage Capital team provided us absolutely impeccable mortgage broker service delivery and results. The EMortgage Mortgage team saved us considerable time and effort by quickly finding us the perfect mortgage loan hassle-free and drudgery-fre
Ella - June 6, 2020 @ 05:08
I couldn’t believe how fast, efficient, friendly, and cheap EMortgage Capital was for our refinance. Our previous lender was competing as hard as they could to retain our business, but the best they could come up with was over $8k in fees (after a $5k credit). I’m telling everyone I know they should refinance through EMortgage Capital.
Working with Joseph, who shepherded us through the process, was a joy. He was quick to respond, any time, day or night. He went out of his way to make sure everything was ready ahead of time.
I’ve had a number of mortgages, both new and refinances. Never once has any been so simple. Unlike my previous company, there were no surprises at the last minute.
I couldn’t believe how fast, efficient, friendly, and cheap EMortgage Capital was for our refinance. Our previous lender was competing as hard as they could to retain our business, but the best they could come up with was over $8k in fees (aft
Jim B. Chao - June 13, 2020 @ 04:46
Joseph Shalaby helped my husband I through our refinance process during the initiation of all the Covid-19 madness. EMortgage Capital was able to give us a great rate that our small business connect, who we refinanced with previously, wasn’t able to do. Joseph was especially helpful with answering all of our calls and endless questions when we were feeling unsure about anything. We ended up saving $500 in interest payments on our mortgage per month! Thank you EMortgage Capital,and Joseph!
Joseph Shalaby helped my husband I through our refinance process during the initiation of all the Covid-19 madness. EMortgage Capital was able to give us a great rate that our small business connect, who we refinanced with previously, wasn’t ab
Dinesh Chandra - November 25, 2020 @ 09:53
My experience with E Mortgage Capital has very very nice. Thank you for your good services. All staff is good at their work
Dinesh Chandra - December 24, 2020 @ 10:20
My experience with E Mortgage Capital has very very nice. Thank you for your good services. All staff is good at their work