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Name: E Mortgage Capital
Telephone: (503) 427-8469

E Mortgage Capital at E Mortgage Capital

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Fantastic Rates & Legendary Service

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What We Do

Find Your Perfect Loan

Meet Dave Jimenez

Your Path to Homeownership

Ready to Get Started?

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Expert advice with over 20 years experience in finance and real estate investing. Fast closings and quick no-hassle quotes across 30 states.

Estimate your monthly mortgage

Estimated Monthly Payment

Principal & Interest Only

We're making getting a mortgage easier than ever before. Expert guidance for every step of your journey.

From first-time buyers to seasoned investors, we have the right program for you.

Division Manager | Sr Loan Officer | NMLS #1298095

I have been in the finance and mortgage industry for 20 years and have held nearly every position, role, and title within that time frame. Much has changed over the course of my career but one thing has remained constant and that is the relationship you hold with your client is a sacred thing to be cherished and respected.

Communication is key, but the lock is trust. I provide clients with professional advice for their home financing services.

Get your FREE customized quote in just minutes without running your credit. Licensed in 30 states nationwide.

Professional mortgage services tailored to your unique financial goals. Licensed in 30 states nationwide.

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Beautiful modern home
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FHA Loans

What Are FHA Loans?

Quick Qualification Check

FHA Loan Requirements

Credit Score

Debt Ratios

Down Payment

2026 FHA Loan Limits

Most Areas

High-Cost Areas

AK, HI, GU & USVI

FHA Loan Benefits

Frequently Asked Questions

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Your Gateway to Homeownership

Achieve your dream with as little as 3.5% down. FHA loans offer flexible credit requirements and government backing, perfect for first-time buyers.

FHA loans are mortgages insured by the Federal Housing Administration, designed to make homeownership more accessible. These government-backed loans offer lower down payments and flexible credit requirements.

Get personalized FHA loan options with no impact to your credit score.

More flexible than conventional loans, making homeownership accessible to more people.

*Subject to AUS Approval

Down payment can come entirely from gift funds from family members.

Loan limits vary by area. Here are the current limits by property type.

See how FHA loans compare to conventional mortgages.

Common questions about FHA loans

Let us help you navigate the FHA loan process and find the perfect home financing solution.

E Mortgage Capital

Professional mortgage services in 30 states. NMLS #1298095

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(503) 427-8469

Personal NMLS# 1298095

Company NMLS# 1416824

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VA Loans

What Are VA Loans?

VA Benefit Calculator

VA Loan Eligibility

Veterans

Active Duty

Guard & Reserves

Certificate of Eligibility

How to Get Your COE

Required Documentation

VA Loan Benefits

Frequently Asked Questions

Honor Your Service

LOAN PROGRAMS

For Our Heroes

Honor your service with $0 down payment, no PMI, and competitive rates to help you secure the home you've earned.

VA loans are a benefit earned through military service, backed by the Department of Veterans Affairs. These mortgages offer unmatched advantages for veterans, active-duty service members, and eligible surviving spouses.

Honor your service with the benefits you've earned.

Determine if you qualify for this valuable benefit based on your military service history.

Must have completed required training and meet other service requirements.

Your COE proves to lenders that you're eligible for a VA-backed loan. We'll help you obtain it quickly.

Take advantage of these powerful benefits earned through your military service.

Get answers to common questions about VA loans

Let us help you take advantage of the VA loan benefits you've earned through your service.

E Mortgage Capital

Professional mortgage services in 30 states. NMLS #1298095

Quick Links

Contact

(503) 427-8469

Personal NMLS# 1298095

Company NMLS# 1416824

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Conventional Loans

What Are Conventional Loans?

Quick Qualification Check

Loan Requirements

Credit Score

Down Payment

Debt-to-Income

2026 Loan Limits

Baseline (Most Areas)

High-Cost Areas

AK, HI, GU & USVI

Private Mortgage Insurance

When PMI Is Required

PMI Removal Options

Frequently Asked Questions

Ready to Get Started?

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The Flexible Choice

The most popular home financing option in America. Flexible terms, competitive rates, and the traditional mortgage solution trusted by millions.

Conventional loans are traditional mortgages not backed by government agencies. They offer the most flexibility and are ideal for borrowers with good credit and stable income. As the backbone of American home financing, they represent over 75% of all mortgage originations.

Traditional financing with flexible terms and competitive rates.

Conventional loans offer flexibility with competitive requirements for qualified borrowers.

Lower DTI ratios typically qualify for better rates and terms.

Understanding loan limits helps determine which conventional loan type fits your purchase price.

Understanding PMI helps you make informed decisions about down payments and monthly costs.

Get answers to common questions about conventional loans

Explore your conventional loan options and find the perfect financing solution for your home.

E Mortgage Capital

Professional mortgage services in 30 states. NMLS #1298095

Quick Links

Contact

(503) 427-8469

Personal NMLS# 1298095

Company NMLS# 1416824

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Jumbo Loans

What Are Jumbo Loans?

Jumbo Loan Calculator

2026 Loan Limits by Area

Standard Areas

High-Cost Areas

Jumbo Loan Thresholds

Jumbo Loan Benefits & Features

Jumbo Loan Qualification Requirements

Credit Requirements

Down Payment & Reserves

Frequently Asked Questions

Which Jumbo Program Fits You?

LOAN PROGRAMS

For Luxury Properties

Specialized portfolio lending for luxury properties. Five distinct jumbo programs designed for unique borrower profiles.

Jumbo loans are mortgages that exceed the conforming loan limits set by the Federal Housing Finance Agency (FHFA). These loans are designed for financing luxury properties and homes in highly competitive real estate markets.

Specialized financing for luxury properties and high-value homes.

Conforming loan limits vary by area. Loans exceeding these limits require jumbo financing.

Any loan exceeding these limits in their respective areas requires jumbo financing.

Five specialized jumbo programs with varying DTI limits, reserve requirements, and property eligibility to match your unique situation.

Multiple jumbo programs with varying qualification requirements. We will match you to the program that best fits your profile.

Get answers to common questions about jumbo loans

Let our specialists analyze your profile and recommend the best jumbo program from our five specialized options.

E Mortgage Capital

Professional mortgage services in 30 states. NMLS #1298095

Quick Links

Contact

(503) 427-8469

Personal NMLS# 1298095

Company NMLS# 1416824

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Non Qm Loans

Non-QM Loans

What Are Non-QM Loans?

Find Your Program

Non-QM Loan Programs

Non-QM vs. Traditional Loans

Who Qualifies for Non-QM Loans?

Frequently Asked Questions

Ready to Explore Non-QM Options?

LOAN PROGRAMS

Flexible Financing Solutions

Specialized mortgage programs for self-employed borrowers, real estate investors, and those with unique financial situations. Bank statements, DSCR, asset depletion, and more.

Non-Qualified Mortgage (Non-QM) loans are home loans that fall outside the strict "qualified mortgage" standards set by the CFPB. They provide flexible qualification options for borrowers who have the ability to repay but do not fit the traditional mortgage box.

Not sure which Non-QM program fits your situation? Let us help you find the right solution.

We offer a variety of Non-QM programs designed to meet the needs of borrowers with unique financial situations.

Understanding the differences helps you choose the right loan for your situation.

Non-QM loans are designed for borrowers who can demonstrate the ability to repay through alternative documentation.

Get answers to common questions about Non-QM loans

Do not let traditional loan requirements hold you back. Find the flexible financing solution that fits your unique situation.

Professional mortgage services in 30 states. NMLS #1298095

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Investor Loans

Investment Property Financing

DSCR Calculator

Investor Loan Programs

Understanding DSCR Loans

What is DSCR?

DSCR Requirements

Why DSCR?

Why Choose Our Investor Loans?

Frequently Asked Questions

Ready to Scale Your Portfolio?

LOAN PROGRAMS

Grow Your Portfolio

Specialized financing for real estate investors. DSCR loans with no income verification, fix and flip financing, portfolio loans, and more. Build your real estate empire without traditional loan limitations.

We understand real estate investors have unique needs. Traditional mortgage rules do not work for serious investors. That is why we offer specialized loan programs designed specifically for building and scaling real estate portfolios.

See if your rental property qualifies based on cash flow.

Choose from our comprehensive suite of investment property financing options.

Debt Service Coverage Ratio loans are the game-changer for real estate investors.

DSCR = Monthly Rent ÷ Monthly Mortgage Payment

Example: $2,500 rent ÷ $2,000 payment = 1.25 DSCR

A DSCR of 1.0 means the property breaks even. Higher is better.

We specialize in investment property financing with programs designed by investors, for investors.

Get answers to common questions about investor loans

Get the specialized financing you need to grow your real estate investment business without limits.

Professional mortgage services in 30 states. NMLS #1298095

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About

Meet Dave Jimenez

20 Years of Excellence

What Sets Us Apart

Licensed in 30 States

Let's Work Together

LOAN PROGRAMS

Division Manager | Sr Loan Officer | NMLS #1298095

I have been in the finance and mortgage industry for 20 years and have held nearly every position, role, and title within that time frame. I'm currently licensed to serve clients in 30 states nationwide.

Much has changed over the course of my career but one thing has remained constant and that is the relationship you hold with your client is a sacred thing to be cherished and respected.

Being a good loan advisor is more than being a good salesperson. Our duty is to educate the consumer on all aspects relating to their loan, the process, and industry as a whole.

Communication is key, but the lock is trust. I provide clients with professional advice for their home financing services.

Serving homebuyers across the nation with local expertise and personalized service.

1298095

Personal NMLS

1416824

Company NMLS

Ready to take the next step? Reach out for a free consultation and personalized rate quote.

Professional mortgage services tailored to your unique financial goals.

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Personal NMLS#

Company NMLS#

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Dave Jimenez
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Services

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Simple Steps to Your New Home

Common Questions

Not Sure Which Loan Is Right?

LOAN PROGRAMS

We're making getting a mortgage easier than ever before. Licensed in 30 states with an experienced team ready to help.

Schedule a free consultation and we'll help you find the perfect program for your situation.

Professional mortgage services tailored to your unique financial goals.

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