EMortgage Capital, Joseph Shalaby I had a very BAD working experience with Mortgage Broker Joseph Shalaby, who is with EMortgage Capital. I was the borrower. Where he provided a lot lip service and delivered nothing. Wasted a lot of time and money. Irvine California

Mortgage Broker Joseph Shalaby, who is with EMortgage Capital in Irvine, California,  promised fast closing in a few days, low interest rate or basically everything that you wanted to hear to do a refinance.  I submit all the paper work.  Near the end, I paid several hundred dollars for the appraisal report to close the deal.  After the appraisal, nothing happens, and follow by nothing and some more nothing.  I did not even see the result of the appraisal.  Days goes by, weeks goes by, months goes by and over one year?  Sometimes after my many repeat phone calls or emails, I will get a reply. such as they are looking for money from investors.  Or will I accept lower loan amount?  Or attorney will review this and send you a refund.  Again, all lip service.  This was a total waste of time and money by a incompetent, irresponsible person and not fit for this line of business. Be warn.