Disclaimer
Last updated: February 13, 2026
Important Disclosures
Licensing Information
Enzo Maldini | NMLS #1984772
E Mortgage Capital, Inc. | NMLS #1416824
Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act.
Equal Housing Lender
E Mortgage Capital, Inc. is an Equal Housing Lender. We are committed to fair lending practices and do not discriminate on the basis of race, color, religion, national origin, sex, marital status, age, or any other protected characteristic.
Rate and Terms Disclaimer
Mortgage rates, terms, and conditions displayed on this website are estimates and are subject to change without notice. Actual rates and terms may vary based on:
- Credit score and credit history
- Loan-to-value ratio
- Property type and location
- Loan amount and term
- Down payment amount
- Market conditions at time of application
Final rates and terms are determined at the time of application and are subject to underwriting approval.
Calculator Disclaimers
All mortgage calculators on this website are provided for informational and educational purposes only. Results are estimates and should not be considered as a commitment to lend or as financial advice.
Actual mortgage payments, rates, and terms may differ from calculator results. Please consult with a licensed mortgage professional for accurate information specific to your situation.
No Guarantee of Loan Approval
Submission of a loan application or inquiry does not guarantee loan approval. All loan applications are subject to credit approval, property appraisal, and verification of information provided. We reserve the right to deny any application that does not meet our lending criteria or regulatory requirements.
Third-Party Services
Our website may contain links to third-party websites or services. We are not responsible for the content, privacy policies, or practices of third-party websites. Your use of third-party websites is at your own risk.
State-Specific Disclosures
California: Licensed by the Department of Financial Protection and Innovation.
Additional state-specific disclosures may apply depending on your location. Please contact us for state-specific information.
Contact Us
If you have questions about these disclosures, please contact us: