Do I have to live in California to work with Kings of Lending?

No. Eligibility is determined by where the property is, not where you live. Relocations, second homes and out-of-state investment purchases are routine.

Do I need to visit the office in person?

No. The application, document upload and signing are handled through secure digital systems. Clients are welcome to visit the Orange County office if they prefer to meet in person.

Why can Kings of Lending not lend in New York?

E Mortgage Capital, Inc. is licensed in forty-nine states and New York is the one exception. Properties in New York cannot be financed through this team.

Are mortgage loan programs the same in every state?

Mostly, but not entirely. Program availability, terms and eligibility vary by state, property type and occupancy. Texas, for example, has specific requirements around cash-out and homestead property.

Mortgage Broker Serving California, Nevada & Multiple States

Q: Can you help me buy an investment property out of state?

Yes. DSCR programs qualify on the income the property produces rather than on personal income, which often suits out-of-state investment purchases.

Licensing & Coverage

Licensed in eleven states. Able to lend in forty-nine.

Kings of Lending is a mortgage broker team based in Orange County, California, operating under E Mortgage Capital, Inc. Where our own licensing ends, theirs continues — so the answer to “can you help me in my state” is almost always yes.

Check Your State — 15 Minutes (714) 276-6155

11States Team Licensed

49States Via E Mortgage Capital

150+Lender Programs

4.9Google Rating

Where The Team Is Licensed

Eleven states, directly.

These are the states where the Kings of Lending team holds licensing and originates loans itself. Programs and availability vary by state, property type and borrower profile.

California

Home state and largest market, headquartered in Orange County. Purchases, refinances, jumbo and investment property throughout the state.Primary Market

Nevada

Las Vegas, Reno and statewide. A frequent market for California buyers relocating or purchasing a second property.Primary Market

Arizona

Phoenix, Scottsdale, Tucson and statewide, including a steady volume of investment and second-home purchases.Primary Market

Texas

Dallas, Houston, Austin, San Antonio and statewide. Texas has its own rules on cash-out and homestead, which we work within.Primary Market

Florida

Purchases, refinances, investment property and condominium financing, including buildings other lenders decline.

Colorado

Denver, Colorado Springs, Boulder and the mountain markets, for primary homes and investment purchases.

Virginia

Northern Virginia and statewide, including VA loans for eligible service members, veterans and surviving spouses.

Illinois

Chicago and statewide, for buyers, homeowners refinancing and investors adding to a portfolio.

Indiana

Indianapolis and statewide. A common market for out-of-state investors buying for cash flow.

Iowa

Des Moines and statewide, for primary residences and rental property alike.

New Jersey

Statewide, including buyers working in New York while purchasing across the river.

+38

And thirty-eight more

Through E Mortgage Capital, Inc. — every state except New York. See how that works below.

Outside Those Eleven

You are not turned away at the state line.

Kings of Lending operates under E Mortgage Capital, Inc. (NMLS #1416824), which is licensed to lend in forty-nine states — every state except New York. If your property sits outside our team's direct licensing, the file does not stop.

You are introduced, not handed offYou are connected with a licensed E Mortgage Capital loan officer in your state, and we stay involved as your point of contact rather than disappearing from the conversation.

Same programs, same processThe lender panel and the underwriting are the same. What changes is which licensed originator signs the file, because that is what state law requires.

The one exception is New YorkE Mortgage Capital, Inc. does not lend in New York. If your property is there, we will tell you at the start rather than after you have filled anything in.

Headquarters

Orange County, and wherever you are.

Our office is in Santa Ana, California. Most clients never need to visit it — the application, the documents and the signing are all handled through secure digital systems, which is how the same team can work properly across eleven states.

If you would rather sit across a desk, you are welcome to. Plenty of people do.

Kings of Lending

3750 S Susan Street
Santa Ana, CA 92704

Victor Salazar — NMLS #2052157
E Mortgage Capital, Inc. — NMLS #1416824
California DRE — #02211532

(714) 276-6155

Across State Lines

What people ask about location.

Which states is Kings of Lending licensed in?

The Kings of Lending team is licensed in eleven states: Arizona, California, Colorado, Florida, Illinois, Indiana, Iowa, Nevada, New Jersey, Texas and Virginia. Through E Mortgage Capital, Inc. (NMLS #1416824), loans can be placed in forty-nine states — every state except New York.

Can a California mortgage broker help me buy in another state?

Yes, provided someone on the file is licensed where the property sits. That is the rule that matters: licensing follows the property, not the borrower. Our team holds licences in eleven states directly, and through E Mortgage Capital a licensed originator can be brought in for the rest.

Do I have to live in California to work with you?

No. What determines eligibility is where the property is, not where you live. Clients regularly buy in a different state from the one they live in — relocations, second homes and investment purchases are a routine part of the work.

Do I need to come to your office?

No. The application, document upload and signing are handled through secure digital systems, so the process works the same whether you are in Santa Ana or several states away. You are welcome to visit the office in Orange County if you prefer to meet in person.

Can you help me buy an investment property out of state?

Yes, and it is one of the more common requests. Investors frequently buy where the numbers work rather than where they live. DSCR programs qualify on the income the property produces rather than on your personal income, which often suits out-of-state purchases well.

Why can't you lend in New York?

E Mortgage Capital, Inc. is licensed in forty-nine states, and New York is the one exception. If your property is in New York we will say so immediately rather than let you start an application that cannot be completed.

Are the loan programs the same in every state?

Mostly, but not entirely. Program availability, terms and eligibility vary by state, property type and occupancy, and some states have specific rules — Texas, for instance, has its own requirements around cash-out and homestead property. The programs open to you are confirmed once your file is reviewed.

Begin

Tell us where the property is.

Fifteen minutes, no credit check. If we cannot help in your state, you will know inside the first minute.

Schedule Your 15 Minutes

Prefer to speak now? Call or text (714) 276-6155

Kings of Lending · Victor Salazar, NMLS #2052157 · Powered by E Mortgage Capital, Inc., NMLS #1416824 · California DRE #02211532 · Equal Housing Lender
The Kings of Lending team is licensed in 11 states: Arizona, California, Colorado, Florida, Illinois, Indiana, Iowa, Nevada, New Jersey, Texas and Virginia. E Mortgage Capital, Inc. lends in 49 states — every state except New York.
Licensing, program availability, terms and eligibility vary by state, property type, occupancy and borrower profile, and are subject to change. Nothing on this page is an offer or a commitment to lend. All loans are subject to underwriting and credit approval. Not all applicants will qualify.