Purchase & Refinance Loans
Every mortgage should feel like coming home.
I'm Nick Johnson, a loan officer with E Mortgage Capital. I help borrowers find the right loan for buying or refinancing — whether it's the home you'll live in or the next property in your portfolio.
NMLS #2086150 · Licensed in AL, AZ, AR, CA, CO, DE, FL, KS, MI, MN, MO, OH, OK, OR, PA, TN, TX, VA, WA
Why work with me
Financing that fits how you actually live.
Built around your goal
Buying a first home, refinancing for a better rate, or adding a rental — the right loan structure depends on what you're actually trying to do.
Straight answers
You'll know your options, the trade-offs between them, and what to expect at every step — no jargon you have to decode on your own.
Backed by E Mortgage Capital
Full lending resources behind every file, so pre-qualification, underwriting, and closing move without unnecessary delays.
How it works
From first conversation to closing day.
Tell me what you're trying to do
A short conversation about your property — purchase or refinance, primary residence or investment — and your timeline.
Get matched to the right loan
I compare programs across E Mortgage Capital's lending options and walk you through what actually fits your situation.
Pre-qualify with confidence
Start your application on my E Mortgage Capital page — I'll be with you from submission through underwriting.
Close and move forward
Clear updates as your file moves, so closing day has no surprises left in it.
"A mortgage isn't a transaction — it's the doorway to what's next. I want you to walk through it knowing exactly where you stand."Nick Johnson · Loan Officer, E Mortgage Capital
Ready when you are
Let's find the loan that fits.
Get pre-qualified through my E Mortgage Capital page, or reach out directly with any questions first.