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Welcome to eMortgage Savings
Free advice. Excellent service.
Stay Informed
The best way to get a good deal, is to know some of the issues your deal is based on.  Many loan officers will be glad if you don't know them so that they can give you a bad deal, and make more money on it.

Below we list some basic terms that you can learn about immediately to get a sense of your own financial picture.

Prime Rate
APR
Fixed Rate/Variable Rate
Debt to Value
Interest Only Loans

Find out what these terms mean and how they apply to you now, we will be happy to answer all of your questions immediately.
Mission Statement

• To offer mortgage advice for free. 
• To maximize your financial potential. 
• To quickly turn around your questions into answers that can serve you best. 
• To keep the loan application process simple. 
• To advise you with real time information from a variety of lenders. 

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Re-Finance or First Mortgage?
Now is the time as the Prime Rate has made a dramatic shift in the past five weeks, moving up an entire point after maintaining a reasonably even keel for the past year.  It has also never been easier.  Banks are staying competitive and want your business. 

Fill in the form below

And we can begin answering your questions at no cost to you.

Whether you need to re-finance an existing mortgage, or begin your very first one, eMortage Savings will help to find you the best rates and the best lenders available.  Leave a question or comment here

We protect your information

This site is not one that will take your information, lump it into a data-proccessing network, and beam it across the Internet to thousands of loan officers hoping that one will pick it up.  eMortgage Savings is a group of loan officers who work in Southern California and will help guide you to the bank services you need.  Though we specialize in California, we can answer questions nation-wide and do mortgages in any state of the union.  Your questions and comments will be answered immediately.

Fast Turnaround

Our time is valuable, as we assume yours is.  And though our advice is free, we don't imagine that your time is.  So we will let you know the answers to all your questions immediately, and money offers that lenders are making to you within a few business days.  Find out which banks will give you the best deal now.

Good and Bad Credit can own a home

Don't let the turkeys get you down.  There are some lenders who specialize in bad credit.  Whatever your history is, it should not prevent you from home ownership, and we deal with many lenders every day.  If you supply us with this basic information, we can quickly determine the answers you need.

Security
eMortgage Savings will never share or sell or any information it receives from any of our guests.   We will be happy to contact you immediately to answer your questions.

 
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First Mortgage
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Re-Finance existing Mortgage
Equity Line
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