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Business Page


business profile image

E Mortgage Capital

Lender
5.0 stars
57 Reviews

Markets served


Nationwide

Except the following states:

Alabama
Alaska
District of Columbia
Ohio

Licenses


Company NMLS
#1678413
Additional info available at the NMLS consumer access website

More ways to connect


About us


I've helped hundreds of investors purchase rental properties nationwide with DSCR programs. With access to over 100 different investor mortgage options and dozens of reviews, I will help filter through as many options as possible to make sure the home or investment you are looking to purchase makes sense and continues to add to your net worth. I also have access to all conventional, VA, FHA and non-QM products as well. 

Specialties


Hard/Private/Non-QM

DSCR (long-term rental)
DSCR (short-term rental)
Refinance (investment)

Reviews (57)


5.0 stars
57 Reviews
5.0 stars
57 Reviews
0.0 star
0 Reviews

reviewer image
5.0 stars
|
8 months ago
Reviewed by Brittany Walker
I enjoyed working with Justin MacMillian as he was very knowledgeable of the intricacies of the loan process, specifically the VA loan. Buying a house is a big deal and can be quite the roller coaster emotionally. The VA loan brings up emotion just reflecting on why we even were using a VA loan. Justin was respectful and non judgmental of our situation and was very helpful through it all and never came across as impatient. He is clearly dedicated to his job and was on top of things as needed. I really appreciated his availability as it helped speed things along as well as helped me figure things out as the thoughts and ideas came to me at random. I’d recommend Justin to friends and family as he was wonderful to work with.
reviewer image
5.0 stars
|
10 months ago
Reviewed by Ashin Robert
We had an outstanding experience working with Justin as our real estate mortgage broker. His responsiveness is truly commendable – whether it's a phone call, message, or email, he always responds promptly. Justin goes above and beyond to clear any doubts we had, providing expert guidance throughout the process. What stood out the most was his ability to secure the best interest rate available in the market for us. Highly recommended for his professionalism and top-notch service!
reviewer image
5.0 stars
|
10 months ago
Reviewed by Brent Sappe
I recently had the pleasure of working with Justin. He truly exceeded all expectations. From the perspective of an investment buyer, Justin's performance was exemplary. Not only did he secure favorable terms, but he also navigated through tough transactional details with finesse, making the entire process seamless and stress-free. As an agent, collaborating with Justin was a dream. His professionalism, expertise, and dedication to ensuring a smooth experience for both myself and my client were unparalleled. I highly recommend Justin to anyone in need of mortgage financing.
reviewer image
5.0 stars
|
a year ago
Reviewed by Kent Harrison
Justin has helped us on more than one occasion to secure the best possible terms for our home mortgages. Throughout each process he has been friendly, transparent and quick to respond to all our questions and requests. He skillfully anticipated lender requests, so that we were able to provide information and documents early, resulting in timely closings.
reviewer image
5.0 stars
|
a year ago
Reviewed by Dev Oli
Justin is a very helpful, hardworking, reliable, and knowledgeable person. He exactly knows what he is doing. We highly recommend him since he provides the best service to go through your home loan process. We are very satisfied with his service and expertise!!! Thank you, Justin, for all your help!!! Dev & Manisha
reviewer image
5.0 stars
|
a year ago
Reviewed by Jeongwoo Moon
As someone who has researched and "shopped" around for many lenders/brokers during our home purchase, Justin came out at the top. Justin was the only one who was consistent and responsive throughout the whole mortgage process. Even if he couldn't answer a phone call right away, he would immediately respond through text/email and never failed to follow up with me on the same day. Clear and quick communication is absolutely important during a home purchase and Justin was reliable from start to finish. Even more importantly, Justin secured the best deal for us with our rates and beat out all the other competitors. He was attentive to our needs, willing to be flexible with changes, and was super helpful throughout the loan process. He helped answer a LOT of my questions, especially as we weren't working with a realtor. I couldn't recommend Justin more than enough as he made our entire loan process seamless. He absolutely went above and beyond to make sure we were taken care of. I will definitely be using Justin again in the future!
reviewer image
5.0 stars
|
3 years ago
Reviewed by Beverly Novak-Page
Justin has been wonderful to work with from beginning to end. I had previously attempted a refinance with with another company and they totally botched the whole thing. They requested an enormous amount of documents, then lost them, so that I had to send them all again. They were totally unresponsive when I had a question or request. But Justin and his team quickly responded to my every inquiry and confirmed the receipt of my documents in a very timely manner. Closing the loan went very swiftly and efficiently. I would definitely recommend Justin for any mortgage loan requirements.
reviewer image
5.0 stars
|
3 years ago
Reviewed by Byron Turner
My wife and I have work with Justin a few times before and we would like to say that he is very knowledgeable and easy to work with. I changed my mind a couple of times and he was very understanding and patience. We highly recommend Justin for all your real estates needs. Justin stays in touch with you during your entire process. He makes the process painless and he let you know what to expect and your outcome. Justin is your guy for an honest and reliable broker!
reviewer image
5.0 stars
|
8 months ago
Reviewed by Brittany Walker
I enjoyed working with Justin MacMillian as he was very knowledgeable of the intricacies of the loan process, specifically the VA loan. Buying a house is a big deal and can be quite the roller coaster emotionally. The VA loan brings up emotion just reflecting on why we even were using a VA loan. Justin was respectful and non judgmental of our situation and was very helpful through it all and never came across as impatient. He is clearly dedicated to his job and was on top of things as needed. I really appreciated his availability as it helped speed things along as well as helped me figure things out as the thoughts and ideas came to me at random. I’d recommend Justin to friends and family as he was wonderful to work with.
reviewer image
5.0 stars
|
10 months ago
Reviewed by Ashin Robert
We had an outstanding experience working with Justin as our real estate mortgage broker. His responsiveness is truly commendable – whether it's a phone call, message, or email, he always responds promptly. Justin goes above and beyond to clear any doubts we had, providing expert guidance throughout the process. What stood out the most was his ability to secure the best interest rate available in the market for us. Highly recommended for his professionalism and top-notch service!
reviewer image
5.0 stars
|
10 months ago
Reviewed by Brent Sappe
I recently had the pleasure of working with Justin. He truly exceeded all expectations. From the perspective of an investment buyer, Justin's performance was exemplary. Not only did he secure favorable terms, but he also navigated through tough transactional details with finesse, making the entire process seamless and stress-free. As an agent, collaborating with Justin was a dream. His professionalism, expertise, and dedication to ensuring a smooth experience for both myself and my client were unparalleled. I highly recommend Justin to anyone in need of mortgage financing.
reviewer image
5.0 stars
|
a year ago
Reviewed by Kent Harrison
Justin has helped us on more than one occasion to secure the best possible terms for our home mortgages. Throughout each process he has been friendly, transparent and quick to respond to all our questions and requests. He skillfully anticipated lender requests, so that we were able to provide information and documents early, resulting in timely closings.
reviewer image
5.0 stars
|
a year ago
Reviewed by Dev Oli
Justin is a very helpful, hardworking, reliable, and knowledgeable person. He exactly knows what he is doing. We highly recommend him since he provides the best service to go through your home loan process. We are very satisfied with his service and expertise!!! Thank you, Justin, for all your help!!! Dev & Manisha
reviewer image
5.0 stars
|
a year ago
Reviewed by Jeongwoo Moon
As someone who has researched and "shopped" around for many lenders/brokers during our home purchase, Justin came out at the top. Justin was the only one who was consistent and responsive throughout the whole mortgage process. Even if he couldn't answer a phone call right away, he would immediately respond through text/email and never failed to follow up with me on the same day. Clear and quick communication is absolutely important during a home purchase and Justin was reliable from start to finish. Even more importantly, Justin secured the best deal for us with our rates and beat out all the other competitors. He was attentive to our needs, willing to be flexible with changes, and was super helpful throughout the loan process. He helped answer a LOT of my questions, especially as we weren't working with a realtor. I couldn't recommend Justin more than enough as he made our entire loan process seamless. He absolutely went above and beyond to make sure we were taken care of. I will definitely be using Justin again in the future!
reviewer image
5.0 stars
|
3 years ago
Reviewed by Beverly Novak-Page
Justin has been wonderful to work with from beginning to end. I had previously attempted a refinance with with another company and they totally botched the whole thing. They requested an enormous amount of documents, then lost them, so that I had to send them all again. They were totally unresponsive when I had a question or request. But Justin and his team quickly responded to my every inquiry and confirmed the receipt of my documents in a very timely manner. Closing the loan went very swiftly and efficiently. I would definitely recommend Justin for any mortgage loan requirements.
reviewer image
5.0 stars
|
3 years ago
Reviewed by Byron Turner
My wife and I have work with Justin a few times before and we would like to say that he is very knowledgeable and easy to work with. I changed my mind a couple of times and he was very understanding and patience. We highly recommend Justin for all your real estates needs. Justin stays in touch with you during your entire process. He makes the process painless and he let you know what to expect and your outcome. Justin is your guy for an honest and reliable broker!

Our Team


Justin MacMillan
Lender
Pro Member