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Let's Bust Some Myths

What you think might be stopping you probably isn't true
Myth

"I need 20% down"

Reality
Many first-time buyer programs require just 3% down, and some require nothing at all. That $350,000 home? You might only need $10,500 down.
Myth

"My credit score isn't good enough"

Reality
FHA loans accept credit scores as low as 580, and some programs go even lower. Less-than-perfect credit doesn't automatically disqualify you.
Myth

"I can't afford it with student loans"

Reality
Student loans are factored into your debt-to-income ratio, but they don't automatically disqualify you. Many first-time buyers with student debt get approved.

Your Path to
Homeownership

We break it down into simple, manageable steps
1

Get Pre-Qualified

Find out what you can afford and what programs you qualify for. Takes just a few minutes.

2

Learn the Process

We'll educate you on every step so you feel confident, not confused.

3

Start House Hunting

Armed with your pre-approval, you can shop with confidence and make competitive offers.

4

Close & Move In

We handle the paperwork and details. You get the keys to your new home!

Programs Made for You

First-time buyers get access to special programs and benefits

Purchase Loans

Whether you're a first-time buyer or looking to upgrade, we have the right solution for you.

Purchase Loans
FHA Loans

FHA loans offer flexibility for low credit scores, higher debt-to-income ratios and offer a low down payment.

FHA Loans
VA Loans

Low or no down payment, government insured loan for veterans and their families with competitive rates.

VA Loans
Conventional Loans

Competitive interest rates and terms without requiring a large down payment for well-qualified borrowers.

Conventional Loans

First-Time Buyers Just Like You

Real stories from people who thought homeownership was out of reach
Juan Lopez

Juan Lopez

3 weeks ago

Eric made purchasing my first home EASY. He focuses on the details, answers every question and goes ...
Eric made purchasing my first home EASY. He focuses on the details, answers every question and goes above and beyond during every step of closing out the loan. I recommend Eric to anyone that is in search of a home. Thank you again Eric!
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Yunxia Liu

Yunxia Liu

3 weeks ago

Eric was a great pleasure to work with. He picks up his phone all the time. Communication has been p ...
Eric was a great pleasure to work with. He picks up his phone all the time. Communication has been prompt and clear. Added the cherry on top is rate was really great! I recommend Eric for your mortgage need with absolutely no hesitation!
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faith keeler

faith keeler

1 year ago

We found Eric very pleasant and easy to work with. He always kept us informed and helped us move for ...
We found Eric very pleasant and easy to work with. He always kept us informed and helped us move forward with the many details involved in bringing the loan to completion. We’ve closed on several homes in the past & have found Eric to be exceptional. He was very patient and helpful with issues that needed finalizing and we would not hesitate to recommend him to others. Don & Faith
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Fernando Valadez (Gota)

Fernando Valadez (Gota)

2 years ago

Couldn’t have been in better hands, very helpful, explain any concern thoroughly and very generous. ...
Couldn’t have been in better hands, very helpful, explain any concern thoroughly and very generous. I know if I have any concerns he is there to help any time. Definitely recommending to friends / colleagues and family
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Juan Ramirez

Juan Ramirez

3 years ago

Really helpful and knowledgeable
Really helpful and knowledgeable
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Joanna Franco

Joanna Franco

3 years ago

We had a great experience working with Eric Montaghami at EMortgage Capital who worked tirelessly in ...
We had a great experience working with Eric Montaghami at EMortgage Capital who worked tirelessly in helping us purchase our new home. He was available at all times of the day and evening to answer our questions or concerns. We are very appreciative and grateful for all the time and effort he gave us and for meeting our needs to close early. He will definitely be the one we call when we are ready to refinance or purchase again.
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allan cervantes

allan cervantes

3 years ago

This guy will fight for you and make sure everything is in order.
This guy will fight for you and make sure everything is in order.
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Blythe Paz

Blythe Paz

3 years ago

Eric was fantastic to work with! He explained the processes from the start and had a tracking updat ...
Eric was fantastic to work with! He explained the processes from the start and had a tracking update log sent to us each step along the way. Instructions were clear and concise which made things so much easier. We will definitely use Eric Montaghami again for future needs.
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Marietta Bailey

Marietta Bailey

3 years ago

He is nice, patient and knowledgeable for all the finances you need. He is very helpful and and help ...
He is nice, patient and knowledgeable for all the finances you need. He is very helpful and and help everything I need to get the loan in a timely manner and close the scrow early.
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Ready to Take the First Step?

Let's find out what you qualify for. No pressure, no obligation—just answers about what's possible for you.

Get Pre-Qualified Now
Secure Process
Won't affect your credit score
Takes just minutes