How quickly will Kings of Lending get back to me?

Usually the same business day, and by the next business morning at the latest. For an urgent matter, calling or texting 714-276-6155 is the fastest way to reach the team.

Will contacting a mortgage broker affect my credit score?

No. Submitting the contact form is not a credit application and no credit is pulled. When credit is eventually reviewed, the process starts with a soft pull, which does not affect your score.

Do I have to visit the office in person?

No. You are welcome to visit the Santa Ana office, but the entire process can be completed by phone, email and video, and most clients never come in.

I was declined by a bank. Is it worth contacting Kings of Lending?

Yes. A bank can only offer its own products. Working through E Mortgage Capital, Inc. gives access to a wide panel of lenders, so a file that does not fit one lender's guidelines often fits another's.

Do you work with self-employed borrowers?

Yes, regularly. Bank statement and profit-and-loss qualification options exist because tax returns rarely reflect the full picture for a business owner.

Is the first conversation free?

Yes. The first conversation is free and carries no obligation.

What does Kings of Lending do with my information?

Information is used only to respond to your enquiry. Details are not sold and are not passed to third-party marketers.

Contact Kings of Lending

Talk to someone who actually answers.

You will not get a call centre, a chatbot or a form that disappears into nowhere. Tell us what you are trying to do and Victor or a member of the team gets back to you — usually the same business day.

Santa Ana, California · serving borrowers across the states where E Mortgage Capital, Inc. is licensed.

Call714-276-6155 TextFastest if you're busy Emailvsalazar@emortgagecapital.com Send a messageTakes about a minute

Before you reach out

There is no wrong question here.

Plenty of people sit on a mortgage question for months because they think they are not ready, or they are worried about what a credit check will do, or they already got told no somewhere else and do not want to hear it twice. None of that is a reason to stay quiet.

A first conversation costs you nothing and commits you to nothing. If the answer is that you should wait six months and fix two things first, we will tell you that honestly — and tell you exactly which two things.

Send us a message

Tell us what you need.

Four quick questions so we can come back to you with something useful instead of asking you everything twice.

Thank you — message received.

We have your details and someone from the team will be in touch, usually the same business day. If it is urgent, call or text 714-276-6155 and you will reach us faster.

Please check the highlighted questions — a few still need an answer.

Your name*

Please tell us your name.

Mobile number*

We need a number we can reach you on.

Email address*

Please enter a valid email address.

What are you looking to do?*

Please choose whichever is closest.

Where is the property? City and state is plenty.

Roughly when?

Best time to reach you

Anything you want us to know? Optional. The more context you give, the more useful the first call is.

No credit check, no obligation, and we will not pass your details to anyone else.

What happens after you hit send

No black holes, no chasing.

Most people have been ignored by a lender at some point. Here is exactly what happens instead.

FIRST

Someone reads it

A real person on the team, not an autoresponder. You will normally hear back the same business day, and by the next business morning at the latest.

THEN

A short conversation

Ten or fifteen minutes to understand your situation. No credit pull, no documents, no commitment — just working out whether we can help and what it would look like.

ONLY THEN

You decide

If it makes sense, we walk you through the next step. If it does not, we will tell you that too, and point you at whatever would actually help.

Come see us

The office in Santa Ana.

You are welcome to sit down with us in person. Call ahead so we can make sure the right person is there and give you our full attention rather than catching us between appointments.

Where to find us

Kings of Lending 3750 S Susan Street
Santa Ana, California 92704
United States

714-276-6155

Get directions

Opening hours

Monday	9:00 am – 6:00 pm
Tuesday	9:00 am – 6:00 pm
Wednesday	9:00 am – 6:00 pm
Thursday	9:00 am – 6:00 pm
Friday	9:00 am – 6:00 pm
Saturday	By appointment
Sunday	Closed

Outside those hours, send the form or a text and we will pick it up first thing.

Where we work

Orange County is home. The licence goes further.

The office is in Santa Ana, and a good part of our business comes from Orange County and the surrounding areas — buyers, homeowners refinancing, and self‑employed borrowers who keep getting turned down by banks that only understand W‑2 income.

We are not limited to California, though. Through E Mortgage Capital, Inc. we can help borrowers in any state where the company is licensed, and the whole process works over phone, email and video if you are nowhere near Santa Ana.

Santa AnaAnaheimIrvineOrange Costa MesaGarden GroveFullertonHuntington Beach TustinWestminsterRiversideLong Beach

Not on the list? See everywhere we lend.

Before you call

Questions people ask first.

How quickly will someone get back to me?

Usually the same business day, and by the next business morning at the latest. If you need someone right now, call or text 714-276-6155 rather than using the form — that is always the fastest way to reach us.

Will contacting you affect my credit score?

No. Sending this form is not a credit application and nothing is pulled. When we do eventually look at credit, we start with a soft pull, which does not affect your score at all. Nothing happens without you knowing about it first.

Do I have to come into the office?

Not at all. You are very welcome to — we are in Santa Ana and happy to sit down with you — but the whole process works perfectly well over phone, email and video, and most of our clients never come in.

I was declined by a bank. Is it worth contacting you?

Yes, and that is a good chunk of what we do. A bank can only offer you what that one bank does. We work through E Mortgage Capital with a wide panel of lenders, so a file that does not fit one lender's box very often fits another's.

I am self-employed. Do you actually work with that?

Regularly. Bank statement and profit-and-loss qualification exist precisely because tax returns rarely tell the whole story for a business owner. It is worth a conversation before you assume the answer is no.

Do you charge for the first conversation?

No. The first conversation is free and there is no obligation attached to it. If we are not the right fit we will say so.

What will you do with my information?

We use it to respond to your enquiry and nothing else. We do not sell your details and we do not pass them to third-party marketers.

Ready when you are.

Call, text, or send the form. Whichever is easiest — they all reach the same people.

Call 714-276-6155 Send a message

Kings of Lending is a mortgage team led by Victor Salazar operating under E Mortgage Capital, Inc., NMLS #1416824. Victor Salazar, NMLS #2052167, DRE #02211532. Office: 3750 S Susan Street, Santa Ana, California 92704. Equal Housing Opportunity. Submitting this form is not an application for credit and does not obligate you to proceed. All loans are subject to credit approval, income and asset verification, property appraisal and underwriting guidelines; not all applicants will qualify. Terms and availability vary by lender and by state. Information you provide is used only to respond to your enquiry and is not sold or shared with third-party marketers. By providing a telephone number you consent to be contacted at that number by phone, text or email; message and data rates may apply and you may opt out at any time.