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Business Profile

Mortgage Lenders

E Mortgage Capital

Headquarters

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BBB Accredited BusinessA+Rated by BBB

Complaints

This profile includes complaints for E Mortgage Capital's headquarters and its corporate-owned locations. To view all corporate locations, see

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E Mortgage Capital has 20 locations, listed below.

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    Customer Complaints Summary

    • 65 total complaints in the last 3 years.
    • 33 complaints closed in the last 12 months.

    If you've experienced an issue

    Submit a Complaint

    The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

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    Complaint status

    Complaint type

    • Initial Complaint

      Date:04/29/2025

      Type:Service or Repair Issues
      Status:
      Resolved
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Emortage in ****************** my new mortgage. They paid off all my debt bills but one. I was sent a chech to pay off ********** $517, at this time ********** had taken out a payment and they refused the check. I now owned $437. Emortage sent me a check for $437. But now ********* would not take the check because it was made out to __the/Cbna_. So I just paid it off from my debit account. Now getting reimbursed from ******** has been unreal. I have been told twice the check will come overnight. I have been told its in the mail twice, neither has been true for over two weeks. My agent is ******* at ************, she wont answer the if she knows who is calling!

      Business Response

      Date: 04/29/2025

      Wrong E Mortgage.  We are not in *******. we are in ******, ***   That company in **** is called E Mortgage Funding.  We are E Mortgage Capital.

      Customer Answer

      Date: 04/29/2025


      Better Business Bureau:

      I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.

      Regards,
      We sent the complaint to wrong company. The correct comp. Is emotgage funding in Troy *** Please send to them.


      **** ******

       


    • Initial Complaint

      Date:04/09/2025

      Type:Product Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I have an open compliant (********) but unable to reply to it. I wanted to let you know that I have now received 2 more calls after I have told them to Cease and Desist and informed them I am going to record and they stopped talking. Also, as soon as I ask "Who is it", they are quiet and don't say anything. The following numbers are: ************ (*************, **) 4/9/25 @ 1033 ************ (***********, **) 4/7/25 @ 1538 I have never been to any of the places that are calling me and I believe this is a big scam and needs to be addressed accordingly.

      Business Response

      Date: 04/09/2025

      There is not enough information here for me to track down if the calls are coming from us or not but I have added you to our internal Do Not Call list.  If you get a call again please ask for the loan officers name and let us know and I can take action if they work for us.

    • Initial Complaint

      Date:04/07/2025

      Type:Delivery Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      They werent professional and were very aggressive. Plus my number is on the do not call registry. Please do not call me.

      Business Response

      Date: 04/09/2025

      There are several companies with the name E Mortgage so I cannot be sure if these calls are coming from us.  I would be happy to add you to our internal do not call list so that you don't receive any further calls but the number you provided is incomplete.

    • Initial Complaint

      Date:04/07/2025

      Type:Service or Repair Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Representatives from this company have called me several times a day for the past week. A particular Representative named ********* has called me a few of those times, but I remember him because he was extremely rude talking over me after I repeatedly asked to be placed on the do not call list for the company. I've asked to speak with a manager & that is when they hang up or pretend to transfer you, then hang up. When you call the numbers back, it goes straight to voicemail. The calls are mostly coming from a 953 area code.

      Business Response

      Date: 04/09/2025

      We don't have anyone in our company that is in a 953 area code.  There are other companies with a similar name to ours called E Mortgage

    • Initial Complaint

      Date:02/12/2025

      Type:Order Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I continue to receive calls from this company inquiring about my property and the mortgage. I am on the do not call registry. Ive told them and every time they just hang up but when I asked for a supervisor, they still hang up so I cant get removed from the calls

      Business Response

      Date: 02/13/2025

      There are several companies with the name E Mortgage, so I can't be sure this is our company calling, but regardless I have added you to our internal do not call list.

    • Initial Complaint

      Date:01/30/2025

      Type:Service or Repair Issues
      Status:
      Resolved
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      On 01/29/25 this company called me about a mortgage. I told them I was not interested as I already have a lender. They said they were not trying to sell me a loan and then proceeded to try to sell me a loan. I once again said I am not interested and hung up.All the above would be fine with me if it ended there. Instead they have called 7 times and sent 5 texts in the manner of an hour or so. Apparently no does not mean no to these people. The texts felt pretty aggressive like how could you possibly not be interested.

      Business Response

      Date: 01/31/2025

      There are several companies with the name E Mortgage in them, so I can't be sure this is our company.  If this is one of our people it would helpful to know the name of the loan officer as this is not acceptable to us either.  I am adding you to our internal do not call list.

      Customer Answer

      Date: 01/31/2025


      Better Business Bureau:

      The loan officer is named ******* *****.  

      I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.

      Regards,

      ***** ******

       


    • Initial Complaint

      Date:01/21/2025

      Type:Sales and Advertising Issues
      Status:
      Resolved
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Unsolicited calling

      Business Response

      Date: 01/28/2025

      I would like to add you to our do not call list but the phone number you provided is incomplete

      Customer Answer

      Date: 01/28/2025


      Better Business Bureau:

      I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.

      Regards,

      ****** *********

       

    • Initial Complaint

      Date:01/17/2025

      Type:Service or Repair Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      This company calls many times a day, sometimes 5 times in half hour. Their practices are very scammer like; they buy information about people applying for mortgages or equity loans and then call and harass them incessantly. They refuse to stop calling, won't give me a Good faith ********* or any of their promises in writing,

      Business Response

      Date: 01/31/2025

      Based on the complaint I am not sure this is the right E Mortgage.  We are E Mortgage Capital Inc.  there are several companies with the name E Mortgage in their name.  Many of our customers appreciate that we reach out to them as we are often able to offer them a better deal.  Part of that would be providing a Loan Estimate to earn your business.  Our people are trained to earn your business.  Based on your complaint though I can see you do not wish to be contacted so I am adding you to our internal do not call list.  If you continue to receive calls it would be helpful to get the loan officers name because if they are with our company, they will be disciplined.  

    • Initial Complaint

      Date:01/15/2025

      Type:Product Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      In April 2024, I worked with a mortgage lender from The ******* Team. The sales agent I interacted with, **** *****, initially presented me with a couple of loan options. However, when I received the loan disclosure, the terms were significantly different and included unexpected fees. Concerned by these surprise costs, I decided to explore other lenders.During this time, I explicitly requested that they delay ordering the appraisal report for a few days while I considered alternative options. Despite my request, they charged me $690 for the appraisal, which I am confident was never performed. After securing a better loan with another lender, I informed them that I would not be moving forward with their services.Unfortunately, the agents response was highly unprofessional. He became uncooperative and reportedly contacted the sellers agent to undermine my credibility, falsely claiming that I lacked the financial stability or creditworthiness to purchase the property.Since then, I have sent several emails, including copies to the divisional manager, *** *******, to request a refund of the $690 appraisal fee. However, I have not received any response. The lenders details are available on their website: *******************************.

      Business Response

      Date: 01/31/2025

      Please check your credit card.  I records show that a refund was sent to you months ago.

    • Initial Complaint

      Date:01/03/2025

      Type:Product Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      This company somehow received our home data and info and are trying to solicit us for a mortgage. We did not authorize nor ever talk to them. We would never do business with a company that buys consumer info and tries scamming people with. Do not contact us ever again.

      Business Response

      Date: 01/03/2025

      We obtained your information from *********** as someone who is shopping for a mortgage.  Many of our customers appreciate that we reach out to them as many times we are able to offer a better deal.  As you do not wish to be contacted anymore we are adding you to our internal do not call list.

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