Garrett Poblete NMLS #1995980 (949) 468-2810

Questions?
Let me help.

Navigating the mortgage process shouldn't feel overwhelming. As a licensed mortgage broker with E Mortgage Capital, I work as your advocate—not just another loan officer pushing a single bank's products. Unlike traditional lenders who can only offer their own rates, I have access to multiple lending sources. This means I shop around on your behalf, comparing options to find competitive rates and terms that actually fit your financial situation. My approach is straightforward: clear communication without the jargon, responsive support when you need answers, and guidance that doesn't disappear when the process gets complex. Whether you're a first-time buyer exploring your options or refinancing an existing loan, I'm here to provide the information you need to make confident decisions. Questions are welcome at every stage. I'd rather take the time to explain something thoroughly than leave you uncertain about one of the most important financial decisions you'll make. When you're ready to discuss your goals—whether that's today or months from now—I'm here to help. No pressure, no obligation, just honest guidance.

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500+

Happy Homeowners

Years Experience

4.9

Client Rating

$100M+

Loans Funded

Garrett Poblete
Licensed Loan Officer

License #1995980
(949) 468-2810

NMLS Certified

About Garrett

Your Trusted Partner in Home Financing

So I've been in mortgages for around 6 years, helped a lot of people buy homes or refinance - and I still think it's pretty cool every time someone gets approved. Here's my approach: I actually explain what I'm doing, I shop around for rates (being a broker means I can check multiple lenders, not just one bank), and I don't think any question is stupid. Seriously, ask me anything. Buying a house or refinancing is stressful. Your loan officer shouldn't add to that by being impossible to reach or talking in riddles. I try to be the easy part of the process. First-time buyer? Done this before? Somewhere in between? I'm around if you want to talk through your options.

Available 7 Days a Week

All Credit Types Welcome

Transparent Fee Structure

Fast Pre-Approval Process

Let's Work Together

About E Mortgage Capital

A Company Built on Trust and Excellence

E Mortgage Capital is a national mortgage lender headquartered in Southern California and built on a culture of service, expertise, and innovation.

With licensed loan professionals serving borrowers across the country, we combine the resources of a national platform with the personalized guidance homeowners expect from a trusted advisor.

Our Mission

To empower individuals and families to achieve their homeownership dreams through expert guidance, innovative solutions, and unwavering commitment to their financial well-being.

Purchase Loans

Competitive rates for first-time buyers, move-up buyers, and investors.

Refinancing

Lower your rate, reduce your term, or access your home's equity.

VA Loans

Specialized financing options for veterans and active military.

FHA Loans

Flexible qualifying with lower down payment requirements.

HELOCS/HELOANS

Bank Statement Loans

Qualifying income based on 12 months of personal and/or business bank statements.

Why Choose E Mortgage Capital?

Competitive Rates

Access to multiple lenders ensures you get the best rates available.

Fast Closings

Streamlined process means you can close on your timeline.

Expert Guidance

Knowledge from hundreds of loans and years of experience. All of this shared with you to make educated decisions.

Personal Service

Direct access with me throughout the entire process.

Frequently Asked Questions

Knowledge Center

I'm an big advocate of knowledge is power. The more information you know, the better decisions you can make. The questions and answers below are a few common ones.

A mortgage pre-approval is a lender's conditional commitment to lend you a specific amount of money for a home purchase. It's important because it shows sellers you're a serious buyer with financing already secured, gives you a clear budget for your home search, and can help you close faster since much of the underwriting is done upfront.

The process from start to finish can take anywhere from 1 1/2 weeks to 3 weeks depending on a variety of factors and loan type. Getting started is easy! You can either click the "Get Started" button on the top of the page to fill out an app or give me a call/text directly.

Qualification is something we review together either before the app or after. It comes down to income ratios and credit score/history. Generally, it's something we can figure out within 10 minutes. Lower scores and income types such as self employment do not immediately disqualify you. There are plenty of different avenues to explore.

Credit score requirements vary by loan type. The minumum needed is 500 for an FHA loan and 620 for a 2nd mortgage.

HELOC stands for home equity line of credit. This is a 2nd mortgage which does not affect your 1st mortgage. It is a credit line that allows you to borrow your equity. It's a very popular choice due to the fact that your monthly payments are based only on what you borrow. For example, you could have a 200k line amount and only use 30k of it. You can pay money back to the line and borrow from it at any time making it a very flexible option. There are also fixed rate options for this as well. A HELOAN is similar but it is a fixed rate lump distribution with a set payback period (15,20,30) years. There is no ability to borrow additional funds later on. These are becoming less popular.

Absolutely! You can text me or call me at any time with any questions or scenarios you can think of. I'm an open book. (949) 468-2810

Documents that are needed can vary quite a bit. It depends on the person. The standard documents are a mortgage statement, homeowners insurance, drivers license, and income documentation.

Any type of loan in the mortgage industry that's available. If you've heard of it we can do it.

Initially we can do a soft pull to get some rough numbers and discuss options. Soft pulls do not affect your credit whatsoever. A hard pull is required once we are ready to proceed. It's generally recommended to do the hard pull sooner than later to make sure there are no unknowns and also to get concrete numbers.

Closing costs are a combination of costs from title, the lender, the broker, appraisal (if needed), and prepaid items such as per diem interest. The range of closing costs drastically differs between each loan. You should anticipate anywhere from 1%-5% of the loan amount. Closing costs is something we cover in depth and make sure you understand in detail.

Still have questions?

Contact Me Today

Get In Touch

Ready to Start Your Home Financing Journey?

Whether you're ready to apply or just have questions about your options, I'm here to help. Reach out today for a free consultation.

Phone

(949) 468-2810

Email
gpoblete@emortgagecapital.com

Office

3750 S Susan St, Santa Ana, CA 92704

Hours

Sun - Sat : 10:00 AM - 8:00 PM

Questions?Let me help.