Funding

Mortgage Loans

Home financing — from first-time buyer to portfolio investor.

Loan Range

$100K – $3M+

Terms

15, 20, or 30 years

Down Payment

From 3.5%

Apply Now Book a Consultation

What it is

Understanding Mortgage Loans

A mortgage is a long-term loan secured by real estate. Emison Capital arranges conventional, FHA, VA, jumbo, and DSCR investor mortgages, guiding you from prequalification through closing with rates and programs sourced from a national lender network.

How it works

A clear, five-step path to funding

1
Get prequalified with a soft credit review and income snapshot.
2
Submit a full application with W-2s / 1099s, tax returns, bank statements, and ID.
3
The property is appraised and the title is examined.
4
The lender issues a Clear-to-Close and prepares final disclosures.
5
Sign at closing — funds are wired and the deed records in your name.

Basic requirements

What you need to qualify

These are typical baseline criteria. Every file is unique — our specialists work with you to strengthen your application before submission.

FICO score of 620+ for conventional (580+ for FHA with 3.5% down).
Verifiable, stable income for the past 2 years.
Debt-to-income ratio typically below 43%.
Down payment of 3.5%–20% depending on program.
2 months of bank reserves after closing.
Clean title and satisfactory property appraisal.

Ideal for

Common use cases

First-time home purchase

Refinance to lower rate or cash out equity

Second home or vacation property

Investment / rental property (DSCR)

Jumbo purchases above conforming limits

Ready to move forward?

Our specialists will review your profile in confidence and shape the strongest possible application on your behalf.

Start Your Application Speak With a Specialist

Also explore