Emac Finanical

Mortgage Lender serving Seal Beach, CA

About Emac Finanical

Emac Financial has dedicated many years to assisting clients in achieving the dream of homeownership. Operating as a direct lender, the company is focused on providing accessible and flexible mortgage solutions to a diverse range of borrowers.

They offer a comprehensive suite of home loan programs, encompassing popular government-backed options such as FHA, VA, and USDA loans, which are particularly advantageous for individuals seeking low or no down payment solutions. Additionally, Emac Financial provides Jumbo loans for financing higher-value properties and offers various rate structures including traditional fixed-rate, adjustable-rate (ARM), and interest-only mortgages to align with different financial objectives.

Emac Financial guides borrowers through a streamlined loan process, from initial pre-qualification and pre-approval to comprehensive support in understanding credit scores and income verification requirements for both W-2 employees and self-employed individuals. Headquartered in Seal Beach, California, their commitment lies in offering clear pathways and professional advice to facilitate home financing.

Company Information

Lender Type: Direct Lender
Headquarters: Seal Beach, CA

Licensed In

CA

Certifications & Credentials

FHA ApprovedVA ApprovedUSDA Approved

Digital Capabilities

Online Application
Rate Calculator
Pre-Qualification Tool

Home Loan Products

Fixed Rate Mortgage Program

Loan Types:
ConventionalFHAVAUSDAJumboRefinance
Rate Types:
Fixed Rate
Property Types:
Single-Family Home
Occupancy Types:
Primary Residence
Employment Types:
W-2 EmployeeSelf-Employed
Income Verification:
Full Documentation
Available Terms:
15 years30 years

Adjustable Rate Mortgage (ARM) Program

Loan Types:
ConventionalFHAVAUSDAJumboRefinance
Rate Types:
Adjustable Rate (ARM)
Property Types:
Single-Family Home
Occupancy Types:
Primary Residence
Employment Types:
W-2 EmployeeSelf-Employed
Income Verification:
Full Documentation
Available Terms:
15 years30 years

Interest Only Mortgage Program

Loan Types:
Interest-OnlyRefinance
Rate Types:
Interest-Only
Property Types:
Single-Family Home
Occupancy Types:
Primary Residence
Employment Types:
W-2 EmployeeSelf-Employed
Income Verification:
Full Documentation

FHA Home Loan Program

Loan Types:
FHARefinance
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family Home
Occupancy Types:
Primary Residence
Employment Types:
W-2 EmployeeSelf-Employed
Income Verification:
Full Documentation
Special Programs:
Low Down Payment Program
3.5%
Min Down Payment

VA Home Loan Program

Loan Types:
VARefinance
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family Home
Occupancy Types:
Primary Residence
Employment Types:
W-2 EmployeeSelf-Employed
Income Verification:
Full Documentation
Special Programs:
Veteran ProgramLow Down Payment Program
0

USDA Rural Development Loan Program

Loan Types:
USDARefinance
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family Home
Occupancy Types:
Primary Residence
Employment Types:
W-2 EmployeeSelf-Employed
Income Verification:
Full Documentation
Special Programs:
Low Down Payment Program
0

Jumbo Loan Program

Loan Types:
JumboRefinance
Rate Types:
Fixed RateAdjustable Rate (ARM)Interest-Only
Property Types:
Single-Family Home
Occupancy Types:
Primary Residence
Employment Types:
W-2 EmployeeSelf-Employed
Income Verification:
Full Documentation

Conventional Loan Program

Loan Types:
ConventionalRefinance
Rate Types:
Fixed RateAdjustable Rate (ARM)Interest-Only
Property Types:
Single-Family Home
Occupancy Types:
Primary Residence
Employment Types:
W-2 EmployeeSelf-Employed
Income Verification:
Full Documentation

Contact Information

Professional Licenses

NMLS ID: 226032
350 Main St
Seal Beach, CA 90740
US
Mailing Address:
350 Main Street #D Seal Beach, California 90740

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Business Information

Category: Mortgage Lender
Location: Seal Beach, CA
Status: Standard
Type: Direct Lender
NMLS ID: 226032
Profile Views: 0

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