Business ProfileforE Mortgage Capital

Stay away!November 30th, 2023, is when I received my "Thank You for Applying with E Mortgage Capital, ***** email. We made it into mid-March 2024 because I had to cut ties and find an alternative as Emortgage had still not closed the two most important refinances. We had the "clear to close" for weeks. Countless follow-*** with no responses for sometimes close to 2 business days.My experience in switching over to eMortgage capital to close (what I thought) would be seamless refinances has been painful, to say the least. With our track record, appraised values, reserves in our account, the lack of communication and coordination has been astounding.My business partner and I have purchased and sold $13.2M of our own personal real estate within the past 4 years, $4.8 within the past 6 months, and have plans to borrow much more as we scale.The amount of time, effort, headache, and unnecessary stress this has caused is unacceptable. Conditions, Timelines, and Terms continued to change, and we were in limbo for so long because we're being told "expecting CDs" any day. I have close to 200 emails back and forth with the team handling these deals, and 90% of the time there were multiple calls or emails on my end to try to get in contact with the team handling with no response. Literally 4 emails with no response. Multiple voicemails with no response. Only to receive a call at 9-10 PM at night, asking for documents that were in the ****** folder I created or should have been requested DAY 1...I recognize this isn't solely on your team and that there's always something that comes up, but the lack of communication or insight is beyond frustrating and unprofessional.They are very much a mainstream lender, and unless your loan is perfect, it's not going to be easy. We ended up going with our previous lender, and she closed it in 2 weeks. What a joke.