Joe Guile - Mortgage Loan Originator, NMLS ID# 2058701

About Patrick Collins Buying or refinancing your home shouldn’t be hard. But, as a real estate investor who has 20 years of experience buying, selling, managing and investing in properties, I know all too well that the lending process can quickly turn into a nightmare. After being a licensed loan officer over the past 4 years the #1 issue consumers and realtors have with the lending industry is communication. I’m passionate about getting you the best home financing because I believe everyone deserves a smooth and transparent home financing experience. I want to make sure you never have to experience the pitfalls that I did. https://www.nmlsconsumeraccess.org/ https://nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/1416824 https://www.

At E Mortgage Capital our mission is to revive the American Dream of owning a home by serving every client with integrity, keeping the process simple and getting the job done. Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan. https://www.nmlsconsumeraccess.org/ https://nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/1416824 https://www.emortgagecapital.com/licensing https://dfpi.ca.gov/ NMLS License Search/Lookup: https://www.nmlsconsumeraccess.

Kurtis Kooiman brings over 30 years of experience in real estate and lending, having successfully navigated every kind of market—good, bad, and everything in between. That depth of experience shapes both his professional insight and real-world approach. Kurtis specializes in residential lending, helping buyers, homeowners, and investors with purchases and refinances. With the ability to lend nationwide, he offers a true one-stop-shop experience as a Loan Advisor and Financial Counselor. He takes pride in not being your average Loan Officer—or, as he calls them, “order takers.” He’s deeply invested in each client’s success and brings thoughtful guidance to every conversation.