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Fast and easy mortgages from the comfort of your couch.

Buying a home is stressful. This is likely the largest purchase you will ever make and has a major impact on every aspect of your life.

Getting the lending wrong is costly. It can be the difference between qualifying for that cute house in a great neighborhod with excellent schools, or having to settle for less than you deserve. Big banks and large retail lenders do business by their numbers, to satisify their bottom line.

I shop dozens of lenders to find the best solution, catered specifically for you. You are unique, and your housing needs are too. My goal is to provide a seamless, stress-free mortgage experience that meets your needs. Our industry leading technology makes that possible from any device and takes the pain of paperwork out of the equation.

The Easy Choice That Makes Sense

smooth and easy experience

Don't fuss with burdensome paper or clunky websites. Our industry-leading, online platform makes the entire homebuying process possible on any device from anywhere with an internet connection. Always safe and secure with high-level encryption.

More $$$ in Your Pocket

My goal is to make happy homeowners, and what makes you more happy than getting into that dream home while keeping more of your hard earned money? I offer highly competitive loan terms because I have access to hundreds of lenders and programs. Passing the savings on to you creates a life-long partnership, not just a one-time transaction.

Be in your home faster

Why put yourself at the mercy of a big bank's cushy hours? I'm motivated to earn your trust and available when you need me. Plus, the lenders I work with boast some of the fasted turn times in the industry, closing is possible in as little as 10 days*.


“Kevin was a pleasure to work with throughout our first experience buying a home. He clearly explained the process and was always willing to answer any questions we had. He was also very diligent in making sure our loan application was completed accurately and in a timely manner. I highly recommend working with Kevin for any loan application and especially for first time home buyers!”
Jada V.
“As a first time homebuyer, finding a lender was a bit daunting. Everyone was quick to say they could qualify me, but Kevin listened to my concerns and we discussed a timeline that worked best for me. Together we set goals to improve my credit and reduce my debt-to-income, helping me to qualify for a better loan. There's so much I could say, but to sum it up, working with Kevin made buying a home what could have been a cold, transactional event into a very comfortable and smooth experience. ”
Diego C.
“I want to express my utmost appreciation for the outstanding service provided by Kevin Rhine, an excellent Loan Officer at E Mortgage Capital. Throughout the entire process, Kevin kept my clients and I informed at every step, ensuring a seamless and stress-free experience. His dedication and professionalism truly set him apart. My clients and I are so grateful. I highly recommend Kevin Rhine for anyone seeking a mortgage professional who goes above and beyond."

Frequently Asked Questions

Your credit score is an essential factor in mortgage lending. Most lenders prefer a credit score of 620 or higher for conventional loans. However, many loan programs are available for borrowers with lower credit scores. A higher credit score can help you qualify for better interest rates and loan terms. It’s a good idea to review your credit report, address any errors, and work on improving your credit score before applying for a mortgage. You can access your credit report for free once a year from

The down payment amount required can vary depending on the type of mortgage and the lender. For conventional loans, a down payment of 3% to 20% of the home’s purchase price is typical. Government-backed loans like FHA loans may require as little as 3.5% down, while VA loans and USDA loans may require no down payment for eligible borrowers. A larger down payment can reduce your monthly mortgage payments and may help you avoid private mortgage insurance (PMI) costs.

In addition to the down payment, you’ll encounter several other costs, including closing costs, which typically range from 3% to 6% of the home’s purchase price. These costs cover fees for loan origination, appraisal, title insurance, escrow, and more. You should also budget for ongoing expenses like property taxes, homeowners’ insurance, maintenance, and utilities.

The time it takes to get a mortgage can vary depending on factors such as your lender’s processes, the type of loan, and the complexity of your financial situation. On average, it takes around 21 to 30 days from the time you apply for a mortgage to the closing date. However, some loans, like FHA or VA loans, may have slightly longer processing times. It’s essential to work closely with your lender and provide all required documentation promptly to help expedite the process.

Being self-employed doesn’t disqualify you from getting a mortgage, but it may require more documentation to verify your income. Lenders will typically ask for at least two years of tax returns, profit and loss statements, and bank statements to assess your income stability. Working with a mortgage expert who understands the complexities of self-employed income, such as myself, can be very helpful in this situation.

Yes, you can use a co-borrower to help you qualify for a mortgage. This is common for borrowers who may not meet income or credit requirements on their own. A co-borrower shares the responsibility for repaying the loan and may also contribute to the down payment and other expenses. Be aware that the co-borrower’s credit and financial history will also be considered during the underwriting process.

As a mortgage broker, we partner with over 100 lenders who offer a variety of loan options to meet your specific needs. Some common mortgage types include:

   – Conventional Loans

   – FHA Loans

   – VA Loans

   – USDA Loans

   – Jumbo Loans

   – Fixed-Rate Mortgages

   – Adjustable-Rate Mortgages (ARMs)

   – Interest-Only Loans

   – Construction and One-Time Close Construction Loans

   – Bridge Loans (used to purchase another home while you are selling your current home)

   – Debt Service Coverage Ratio (DSCR) Loans (used to purchase rental properties)

   – Reverse Mortgages

   – Commercial Loans

Each of these loans has unique features and eligibility requirements. We can help you explore which loan type is the best fit for your financial situation and homeownership goals.

From my office to your new front door...

…let’s work together to make your home ownership dreams come true!


EMC HQ address:

18071 Fitch Ste. 200, Irvine, CA 92614



Mon – Sat

9am – 7pm Central

For information purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval. E Mortgage Capital, Inc. d/b/a E Mortgage Capital, NMLS# 1416824. Equal Housing Lender. Kevin Rhine, Mortgage Loan Originator, NMLS# 2131964.

NMLS consumer access:

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