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Simple Florida Home Financing With Added Peace of Mind

Feel free to send us a message or give us a call. Our group of friendly staff is here to help.

Phone Number

(424) 276-8200

Email Us

ryans@emortgagecapital.com

Welcome to REZILOANS

The REZILOANS Team at E Mortgage Capital includes complimentary first-year Home Price Protection with every Florida loan. If your home’s value drops, you receive direct cash compensation—automatically, at zero cost, with no claims to file.

Florida Experience That Shows

With over 1,000 loans closed and more than 100 years of combined lending experience, our team helps Florida buyers and homeowners navigate fast-moving markets, tight timelines, and the details that can vary by county and property.

Strong Rates Through Real Choice

We shop 160+ lenders nationwide to help you find competitive mortgage rates and a program that fits your goals. Whether you’re buying your first Florida home or refinancing, you get options supported by guidance—without being pushed into a one-size-fits-all approach.

Personal Support, Start to Close

Our experienced loan officers answer calls, explain each step clearly, and stay engaged through closing. No call centers. No hand-offs. Just a dedicated team focused on keeping your Florida loan process smooth and straightforward.

Meet The Team

Backed By Great People,
100% Customer Focused.

The most important asset to our company, is our people. Our team was built with you as our focus.

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Kirk Ashcraft, Mortgage Loan Officer serving Florida, Ohio, and Kentucky
Kirk Ashcraft
Mortgage Loan Officer
NMLS#: 502493
Licensed: Multi-state
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Florida home financing moves fast—and coastal details can impact costs and timing. The REZILOANS Team at E Mortgage Capital keeps your mortgage process clear and personal, backed by 1,000+ loans closed and 100+ years of combined experience. Every loan includes complimentary first-year Home Price Protection, with automatic cash compensation if your home’s value drops. We’re here to help you move forward with confidence.

Coast-to-Inland Florida Expertise

From South Florida and the Treasure Coast up through Tampa Bay, Orlando, Jacksonville, and the Panhandle, market conditions can shift quickly by county and even by neighborhood. Timing, insurance questions, and property-specific details often matter more here than borrowers expect—especially when buying near the water or in areas where wind and flood considerations can come into play.

That local awareness helps keep surprises to a minimum. Whether you’re relocating within Florida or moving in from out of state, REZILOANS helps you anticipate the practical checkpoints early so your home search, paperwork, and closing plan stay aligned.

Straightforward Options, No Hand-Offs

REZILOANS offers access to 160+ lenders nationwide, giving you room to find terms that fit without getting lost in a one-size-fits-all approach. Just as important, the experience stays human: experienced loan officers who answer calls, explain each step plainly, and keep communication consistent—no call centers and no runaround.

Tell Us Your Story.

Whether you are a first time homebuyer or an experienced real estate investor, having a mortgage team you can count on is crucial.

We pride ourselves on excellent communication and easy accessibility when you need us. Our experienced staff is here to guide you every step of the way.

Fill out the questionnaire on this page to start a discussion about your mortgage needs today!

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What are your goals?
We are committed to helping you reach them.
Purchase or Refinance

Loan Options

Finding a great home loan involves careful consideration of your needs, finances and history. We are here to guide you.

Fixed Rate Mortgage

Interest Rate and payments remain the same for the entire term of the loan.

FHA Loan

An FHA loan provides a government-insured loan with flexible loan options.

VA Loan

VA Loans offer flexible options as either fixed-rate or ARM mortgages.

Rehab Loan

Roll the costs of the renovation into your loan.

USDA Loan

Purchase a home with no money down in certain rural and suburban areas.

Jumbo Loan

Jumbo loans offer maximum flexibility for home financing for larger loans.

First Time Home Buyer

Popular loan programs for first time home buyers.

Low Down Payment Options

Explore options that may make you a home owner with a low down payment.

Investment Property

Mortgage loan programs for vacation and investment properties.

Bank Statement Program

Leverage your bank statements to secure a favorable home loan.

Bridge Home Loan

Secure the transition between selling your current home and buying a new one.

Construction Home Loan

Build your dream home from the ground up with tailored financing.

DSCR Home Loan

Focus on the debt-service coverage ratio to get the right home loan.

Fix & Flip Home Loan

Get the financial support you need for your home renovation projects.

HELOC Home Loan

Unlock the value in your home with flexible home equity lines of credit.

Reverse Mortgage

Convert a portion of your home equity into cash to secure your retirement.

Seller-Paid Buydown

Reduce your mortgage payments with the assistance of the seller.

Home Price Protection Program

An innovative home value protection option designed to help buyers move forward with confidence in any market.

Refinance

Mortgage refinancing may lower your monthly payments.

Cash-Out Refinance

Access home equity for various purposes.

VA Loan Refinance

There are two main ways to refinance your VA loan.

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