State page · CA
Mortgage & Non-QM information for California
Company licensing on file with NMLS for E Mortgage Capital, plus Non-QM education and a direct line to Billy Robles.
A California page for a California originator
Information submitted from this page is forwarded to a licensed colleague who can work California. A copy is also kept for site tracking. This page is the public home for a participating originator licensed here — after the listing is approved.
- DFPI Financing Law License #60DBO-99575
- DRE MLO License Endorsement #01986350
Confirm live status: Company NMLS #1416824 · EMC Licensing & Disclosures
Non-QM programs often discussed
- Bank-statement / P&L — self-employed borrowers who do not fit full-doc tax-return underwriting.
- DSCR (investor) — qualification from property cash flow rather than personal DTI, where allowed.
- Asset depletion / utilization — liquid assets converted to a qualifying figure.
- ITIN / foreign national — when the investor program and state rules allow it.
- Jumbo / non-conforming — balances above the current conforming limit for the unit count.
Availability, pricing, prepayment terms, and documentation are investor- and state-specific. This page does not advertise a live rate or a guaranteed approval.
Non-QM lending context in California
Non-QM is a documentation and qualification path — not a single product. In California, the right file usually starts with occupancy (primary, second home, or investment), how income will be shown (full doc, bank statements, or property DSCR), and whether the company and originator are authorized to take the application.
Typical investor overlays include credit floors, reserve months, maximum LTV, and — on many DSCR files — a prepayment schedule. Conventional / QM remains the first look when W-2 or complete tax returns support the payment.
Use the process page to see pre-approval through clear-to-close, then call Billy Robles with the property state and loan purpose.
California origination roadmap (educational)
Visual overview for discussion. Confirm current statutes, agency rules, and investor overlays before relying on any figure.
Video notes
Video for California can be added from the invite updater (YouTube/Vimeo URL or uploaded file).
Until then, use the inquiry form. The listing goes live after it is approved.
Next step
Have the property state, occupancy, and a rough loan amount ready. What you send is forwarded to a licensed colleague for California. A copy is kept for tracking.