Exceptional customer service
& competitive rates

Close your loan in as little as 10 days!

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What can I help you with?

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About Me

Phil Clay

I pride myself on three principles when conducting business:

1. Communication

The mortgage process should be simple and transparent with no surprises.  If you need to get a hold of me, I am available EVERY single day of the week to answer any questions or concerns with your loan. No one will ever be left in the dark with unanswered questions, emails, or phone calls. 

2. Fast closings

One of the most crucial factors when choosing a lender is if they can actually close on time. I monitor your loan from start to finish and ensure we are doing everything possible to make this happen. 

3. Competitive pricing

E Mortgage Capital allows the flexibility to compete with some of the most competitive lenders in the industry, while providing a 5 star customer experience.