Whether you're lowering payments, getting cash out to remodel, or pre-qualifying for your first home purchase


Our team will take the time up-front and stay involved throughout the process to ensure

that you are satisfied with your new home loan for many years to come.

Mike Johnson | Executive Loan Officer

9492873033

[email protected]

18701 Fitch Ste. 200, Irvine CA 92614

E Mortgage Capital NMLS # 1416824 | CA DRE #

NMLS # 1863156 | CA DRE #

About Me

Mike is a dedicated loan officer specializing in Conforming, FHA, VA, and Non-QM loans, bringing extensive expertise to help borrowers navigate the lending process with confidence. Known for a personalized and consultative approach, Mike works diligently to find tailored solutions that meet each client’s unique financial needs. Whether assisting first-time homebuyers or seasoned investors, Mike’s commitment to transparency, efficiency, and client satisfaction ensures a seamless borrowing experience. A lifelong Californian, Mike now splits time between Orange County and the picturesque slopes of Park City, Utah. Outside of work, Mike enjoys surfing, snowboarding, golfing, and exploring the great outdoors. As a proud parent of two grown children, Mike treasures family moments while embracing an active lifestyle that mirrors the dynamic energy brought to the lending profession.

Loan Programs Available

We offer a range of loans—Conventional, FHA, VA, High Balance, Jumbo, and specialized programs for self-employed or investors like Bank Statement loans (6, 12, 24-month), DSCR, plus strong commercial lending and Private Money options. Or get fast digital HELOC access in just 5 days. Less paperwork, more convenience.

Why Choose E Mortgage Capital?


Make the smart choice with E Mortgage Capital – your ace for a trustworthy, distinguished mortgage journey. Harness the might of our profound skill and deep market savvy to navigate your mortgage process with finesse and speed. Enjoy the sweet victory of our rock-bottom wholesale rates, which put the power of savings right where it belongs – with you. Our bespoke loan assortment is meticulously crafted to address your individual needs, morphing financial dreams into reality. Revel in the marvel of our expedited closing – an impressive emblem of our unwavering commitment to your convenience. At E Mortgage Capital, we don’t just boast a stellar legacy of triumphs and competitive pricing; we champion a comprehensive service suite and lightning-fast closings. Choose us, not just for a mortgage but for a lifelong ally in your financial aspirations. With a vast reservoir of residential mortgage options, from conventional to the eclectic Non-QM loans, E Mortgage Capital stands as the quintessential provider, pledging a blend of education, trust, and a bespoke engagement designed to delight you, for life.

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About Us

Experience our exceptional service and achieve your goals with confidence. Trust us to guide you from start to finish, because your success is our priority.

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18701 Fitch Ste. 200, Irvine CA 92614

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Equal Housing Lender

E Mortgage Capital 2025

NMLS #: 1416824, 1863156

States Licensed In: Click Here

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