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Find out how much home you qualify for with a fast, confidential pre-approval review.

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Prabhu Rangaraju

Mortgage Broker · NMLS #2231790

Have specific questions about this topic or interest rates? Talk directly with your broker.

+1 973-873-8332

Nest Vibez

Your Nest • Your Vibe • Our Mortgage

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Prabhu Rangaraju · Mortgage Broker · NMLS #2231790

E Mortgage Capital, Inc. · Company NMLS #1416824

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3750 S Susan Street, Santa Ana, California 92704
+1 973-873-8332 (855) 569-3700
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Equal Housing LenderPrabhu Rangaraju NMLS #2231790 · E Mortgage Capital, Inc. Company NMLS #1416824

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©2026 | E Mortgage Capital, Inc, DBA E Mortgage Capital | Company NMLS #1416824 | Prabhu Rangaraju DBA Nest Vibez | Mortgage Broker NMLS #2231790 | 3750 S Susan Street, Santa Ana, California 92704 | Corporate Phone: (855) 569-3700 | This website is for general information and advertising only. It is not a commitment to lend, a loan offer, or a guarantee of any rate, APR, fee, program, approval, or closing timeline. All loans are subject to credit approval, underwriting, property eligibility, and other conditions. Not all borrowers or properties will qualify. Rates, terms, programs, and availability are subject to change without notice and may not be available in all states. Equal Housing Lender. Not affiliated with any government agency. E Mortgage Capital, Inc. is licensed to conduct business in the states in which it operates. For complete licensing disclosures, visit https://www.emortgagecapital.com/licensing-and-disclosures and NMLS Consumer Access at https://www.nmlsconsumeraccess.org/.

E Mortgage Capital, Inc. is an Equal Opportunity Employer and does not discriminate on the basis of race, color, religion, sex, sexual orientation, gender identity, national origin, veteran status, disability, or any other protected class. All Rights Reserved.

By refinancing your existing mortgage, your total finance charges may be higher over the life of the loan.

Debt Consolidation is taking your high-interest debt and rolling it into a lower-interest mortgage loan. By refinancing your existing mortgage, your total finance charges may be higher over the life of the loan.

Not affiliated with any government agency. Equal Housing Lender.

The information provided by this payment estimators or mortgage calculators is intended for illustrative purposes only. The calculated results shown are hypothetical and may not be applicable to your individual situation. Be sure to consult a financial professional. E Mortgage Capital, Inc is not responsible for the content and/or accuracy of rates, APRs or any other loan information factored in the calculations.

Certifications for EMC Mortgage Brokers are internally issued by E Mortgage Capital and do not extend beyond the organization. Certification is granted after a predetermined number of loans of the applicable type have been successfully completed and funded.

For reverse mortgages the borrower must meet all loan obligations, including living in the property as the principal residence and paying property charges, including property taxes, fees, hazard insurance, homeowner's insurance and ongoing maintenance (which may be substantial) in accordance with FHA requirements. We do not establish an escrow account for disbursements of these payments. Failure to meet these requirements can trigger a loan default that may result in foreclosure. The loan must be paid off when the last borrower, or eligible non-borrowing surviving spouse, dies, sells the home, permanently moves out, or does not comply with the loan terms.

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