Mon - Fri 9:00 - 5:00
Mon - Fri 9:00 - 5:00

The Modern Mortgage Experience.

Your Mortgage at your fingertips.

The Modern Solution

Purchasing a new home is one of the biggest financial decisions we can make in life. That's why we've created the mortgage experience for modern times.

  • Providing you with the lowest rate possible that matches the least amount of fees, with complete clarity and transparency.
  • Provide cutting edge technology where you can digitally complete and provide all documentation - in a single, easy-to-use location.
  • Help you make a confident mortgage decision, by providing clear advice, simple charts and detailed options. To ensure the right loan choice is always clear for the people we serve.

A simple and easy streamlined experienced at your fingertips

EMA Flo App

Start your application for a loan from your phone in minutes with our convenient online mortgage application.

Be wise and choose

We're More Than Just Stats

But we do have some pretty impressive numbers…


Families Helped


Hundreds of 5 Star Ratings

13 Days

Funding in as little as 13 days

45 Years

More than 45 years of combined experience


  • I thought building a house and getting a construction loan would be a complicated and time consuming project. You did everything for me, and explained the process to me in such an understandable way, I was able to sleep at night.

    Leo Dixon
  • We received such excellent service on an investor speculative construction loan in 2005, we came back again in 2006 for a purchase loan on our primary residence; and again in 2007, 2008, 2009, 2010, and 2012 for refinance loans. He presents the numbers to you in such a cool way, It’s a no brainer for you to understand. Joey is the best.

    John Barro
  • Fast and reliable. Definitely Recommend!

    Sam Elayan