More lending options
I can shop your loan across multiple lenders instead of fitting you into one bank's programs.
Patrick Taba, also known as Mortgage PatrickMortgage Loan Advisor, NMLS #1553052 · Orange County, CA
More lenders. More options. Straight answers.
Purchase, refinance, HELOC, investor and self-employed loans, shopped across multiple lenders and explained in plain English, from the first call to closing.
- No credit check to talk
- Free, no obligation
- Open 7 days a week
Free rate alerts
Waiting forrates to drop?
Join Rate Watch.
Set your target rate and I'll text you the day the market gets there. It's free, quick and there's no credit check.
Join Rate Watch — It's Free- No credit check
- No obligation
- Takes 1 minute
E Mortgage Capital, Inc., NMLS #1416824, licensed in 47 states. If I'm not individually licensed in your state, I'll connect you with a licensed loan officer on our team.
- 4.8 50+ client reviews on Google and Birdeye
- Since 2017Helping people buy, refinance and borrow
- 47 statesE Mortgage Capital licensing
- 7 days a weekCall or text, weekends included
Today's national averages
National averages from Optimal Blue, not rates offered by Patrick Taba or E Mortgage Capital, and not a quote or an offer to lend. Averages don't show APR, points or fees. See the trends.
Join Rate Watch: a text when rates hit your numberWhat are you trying to do?
Pick the one that fits and I'll show you where I'd start.
Buy my first homeBudget, low down payment options and pre-approvalBuy my next homeTime your sale and use your equityRefinanceLower payment, shorter term or cash outWatch rates for meGet a text when refinance rates hit your numberTap my equityHELOCs that keep your first mortgage rateInvest in rentalsDSCR loans that qualify on the rentI'm self-employedQualify with bank statements, 1099s or a P&LUse my VA benefitNo monthly mortgage insurance
Rate Watch
Pick your number. Get a text when rates hit it.
Tell me the rate that would make a refinance or purchase worth it. I check the market every day and text you the day it gets there, with real numbers for your situation. Free, no credit check, cancel any time.
Join Rate WatchTakes 30 seconds
How it works
Three steps, and the first one takes about two minutes.
Tell me what you're trying to do
A short form, a text or a call. No credit check, no commitment and no sales pitch, just a conversation about your situation.
I price it across multiple lenders
You see your options side by side with real numbers, explained in plain English. If waiting or doing nothing is the smarter move, I'll say so.
Pre-approval to closing, with updates
You get my direct line and a heads-up at every milestone, so nothing about your loan is a surprise.
Why work with Patrick
Complicated loans welcome
Self-employed income, DSCR, non-QM, jumbo loans and tricky escrows are where I do my best work.
"Patrick and his team got a challenging escrow done for me." R.H.
Straight answers
If a refinance or a loan doesn't make sense for you, I'll tell you, even when the best move is to wait.
"Very honest and straightforward discussions about the loan process." Shooka K.
Real communication
You get my direct line and updates from application through closing.
"We were able to reach them at all hours of the day even on late night weekends." Dania D.
He made the entire mortgage process feel easy and stress-free, which meant a lot to us as a family. Patrick truly went above and beyond to make sure everything was handled smoothly and on time. We're so grateful for his support and guidance, and we couldn't be happier in our new home!
Birdeye review
When I started this refinancing process, I was really skeptical because of so many scams and fraudulent companies trying to take advantage of seniors. … They made everything very clear, they answered all my question and concerns and they ensured I understood every document and all the steps to the finish line!
Birdeye review
Patrick was wonderful throughout the entire process. Communication was exceptional and a key factor for me in choosing emortgage. Great experience overall and I definitely look forward to be a repeat customer. Thank you!
Birdeye review
Need cash but don't want to lose your low rate?
A HELOC lets you borrow against your equity and leave your first mortgage alone. Curious what your home is worth? Get a free home value report.
Estimate your monthly payment
Change any number to see how it moves your payment. When you want real numbers, I'll price your scenario with you.
$85,000
An example. Try any rate.
Varies by state and county
Varies by area and coverage
Estimated monthly payment on a $765,000 loan
$6,058/mo
- Principal and interest$4,835
- Property tax$850
- Home insurance$150
- Mortgage insurance (estimate)$223
- HOA dues$0
For illustration only. The numbers above are examples you control, not an advertised rate, payment or terms, and not an offer to lend. Mortgage insurance is a rough estimate that varies with credit score and loan type. Your actual rate, APR and payment depend on your credit, property, loan program and market conditions.
Mortgage rate trends
National averages by loan type, updated automatically. Tap a loan type to see its trend. Use them as a benchmark, since your own rate depends on your credit, property and loan.
These are national averages, not rates offered by Patrick Taba or E Mortgage Capital, and they aren't a quote or an offer to lend. Averages don't show APR, points or fees. Your actual rate and APR depend on your credit, property, loan program and market conditions.
Who you'll work with
I've been helping people finance homes since 2017. Today I'm a Division Manager at E Mortgage Capital in Santa Ana, California, where I lead a team and still work with clients one on one. E Mortgage Capital is licensed in 47 states. If you're buying somewhere I'm not licensed, I'll connect you with a licensed loan officer on our team.
My approach is simple: explain your options in plain English, show you the numbers side by side and tell you the truth, even when the best move is to wait.
Many people know me as Mortgage Patrick from Instagram, where I break down mortgage topics without the jargon and have some fun along the way. Come say hi at @mortgage_patrick.
- Also known as
- Mortgage Patrick (@mortgage_patrick)
- NMLS ID
- 1553052
- DRE license
- 01965186
- Company
- E Mortgage Capital, Inc., NMLS 1416824
- Education
- B.A. in Economics, UC Irvine
- Office
- 3750 S. Susan St., Santa Ana, CA 92704
- State licenses
- View on NMLS Consumer Access
- Lending since
- 2017
Real estate agent?
Solid pre-approvals, updates at every milestone and someone who answers on weekends. See how I work with agents and their buyers.
Common questions
Do you work outside California?
Yes. E Mortgage Capital is licensed in 47 states. You can see the states I'm personally licensed in on NMLS Consumer Access, and if you're buying somewhere I'm not, I'll connect you with a licensed loan officer on our team.
Will talking to you hurt my credit?
No. A conversation doesn't touch your credit. When you're ready for a pre-approval, I'll let you know before your credit is pulled, and mortgage credit checks within a short shopping window typically count as a single inquiry.
How much do I need for a down payment?
Usually less than people expect. Conventional and FHA loans both have low down payment options, and VA loans are built to make buying easier for eligible veterans and service members. I'll show you the exact numbers for your situation.
How long does it take to close?
A typical purchase closes in about 30 to 45 days, and some close faster. Your timeline depends on the loan program, the appraisal and your contract.
Should I get pre-approved before I start looking?
Yes. A pre-approval tells you what you can comfortably afford and shows sellers you're serious. In competitive markets, many sellers expect one with every offer.
Get your options
Share a few details and I'll follow up by phone or text. Prefer to reach out yourself? You can also call, text or apply online.
- Apply onlinePurchase or refinance application
- Call (949) 468-3931
- Text (949) 468-3931
- Send HOME on Instagram@mortgage_patrick
E Mortgage Capital is licensed in 47 states. Pick your state in the form, and if I'm not licensed there, I'll connect you with a licensed loan officer on our team.
"Smooth sailing was our experience thanks to Patrick and all at E capital."
Patrick TabaMortgage Loan Advisor, NMLS #1553052
Takes about a minute. No credit check, and I follow up personally by phone or text.
Sent. Thanks.
I'll call or text you shortly. Need me sooner? Call or text (949) 468-3931.