About Kings of Lending
A team built by someone who got tired of watching good people get declined.
Kings of Lending is the mortgage team led by Victor Salazar, formed in March 2023 and operating under E Mortgage Capital, Inc. (NMLS #1416824), a licensed mortgage brokerage. Through E Mortgage Capital we work with more than 150 lenders instead of one, which is the entire reason we can say yes where a bank says no.
How It Started
One lender is one opinion.
Victor Salazar has been a licensed mortgage loan officer since 2020. In March 2023 he formed Kings of Lending, and the reason was simple enough to say in a sentence: working inside a single lender meant telling people no when the honest answer was that a different lender would have said yes.
A retail bank sells the products a retail bank happens to carry. If your file does not fit those products, the file is the problem. That logic is fine if you are a salaried employee with two years of W-2s and a clean twenty-four months behind you. It falls apart the moment you are self-employed, paid on 1099, buying with an ITIN, carrying other properties, or recovering from a year that looked bad on paper and fine in reality.
A brokerage works the other way round. The file comes first, and then the search begins. That is what Kings of Lending was formed to do, and it is still the whole job.
A decline is one lender applying one set of guidelines. It is not a verdict on you.
Why It Matters
The difference between a bank and a broker, in plain terms.
Sells its own shelf
One institution, one set of guidelines, one answer. If your income does not document the way that lender requires, there is nowhere else for your file to go. The decline is the end of the conversation, and you are rarely told which specific guideline you missed.
Goes looking on your behalf
Access to more than 150 lender programs, including bank statement, profit and loss, asset-based, DSCR and ITIN products that a single bank cannot offer. Your file is read against the market, and if the honest answer is to wait three months, we say that too.
The People
Four people, and you can reach all of them.
Most of what goes wrong in a mortgage goes wrong in the handoffs. This is a small team on purpose, and every name below is a person you can actually contact.
Victor Salazar
Mortgage Loan Officer · NMLS #2052157Licensed since 2020 and the founder of Kings of Lending. Victor specialises in the files other people find difficult — self-employed borrowers, complex income, ITIN buyers, investors and second opinions after a decline. He is also the author of The Wealth Builder’s Mortgage Guide, and before mortgages he competed as a professional BMX rider.
Victor personally reviews the files that come through this site. When you book a consultation or start a pre-approval, he is the one reading it — not a queue, and not a call centre.
Amy Loeun
E Mortgage Capital, Inc. · NMLS #2628560Amy works directly with borrowers to review loan options and guide them through the financing paths available to them. She is the person most clients speak with first about what is realistic.
Marlene Ruiz
Licensed MLO · E Mortgage Capital, Inc. · NMLS #1784553Marlene oversees processing and documentation, moving files from application through closing. Her understanding of underwriting requirements is the reason difficult files stay on schedule instead of stalling.
Tiffany Rosales
E Mortgage Capital, Inc. · NMLS #1482094Tiffany supports clients through the early stages, handling documentation and keeping every party talking to each other. If you are wondering what happens next, Tiffany is usually the reason you already know.
How We Work
Education first, and no pressure anywhere in it.
We believe an informed client makes a confident decision, and that our job is to guide rather than push. In practice that means four things, in this order.
We listen first
Fifteen minutes, no credit check, no obligation. Your goals, your timeline, and what has already gone wrong if something has.
We read the file
Your situation against more than 150 lender programs, properly, over a few days rather than guessed at live on the phone.
We explain it plainly
Specific numbers, in language that does not require a mortgage vocabulary, including the parts that are not in our favour.
We stay with it
From application through closing, with the same people. You are never handed to a department you have not met.
Where We Are Licensed
Eleven states directly. Forty-nine through our lender.
The Kings of Lending team is licensed in eleven states. Kings of Lending is powered by E Mortgage Capital, Inc. (NMLS #1416824), which lends in forty-nine states — every state except New York. If your loan falls outside our team’s direct licensing, we connect you with a licensed E Mortgage Capital loan officer in your state and stay on as your point of contact.
About The Company
Questions people ask about us.
Who is Kings of Lending?
When was Kings of Lending founded?
Is Kings of Lending a lender or a mortgage broker?
Where is Kings of Lending based?
What kind of borrowers do you specialise in?
Does it cost anything to talk to you?
Who will I actually be working with?
Your Dream. Our Mission.
Start with a conversation, not a commitment.
Whether you are buying a first home, relocating, refinancing or investing, the first step is fifteen minutes and costs nothing.
Book A Free Consultation Get Pre-Approved
Questions first? Call or text (714) 276-6155
Kings of Lending · Victor Salazar, NMLS #2052157 · Powered by E Mortgage Capital, Inc., NMLS #1416824 · Equal Housing Lender
The Kings of Lending team is licensed in 11 states. E Mortgage Capital, Inc. lends in 49 states — every state except New York.
Nothing on this page is an offer, a commitment to lend, or an assurance that any application will be approved. Program availability, terms and eligibility vary by lender, property type, occupancy and state, and are subject to change without notice. All loans are subject to underwriting and credit approval. Not all applicants will qualify.
