Description of Services: I'm Joe Uhm, a combat disabled Army veteran and Purple Heart recipient. For 14+ years I've helped military families buy homes with the VA benefit they earned. More than 90% of my business is VA loans, so I know the program inside and out, including the files other lenders turn down: manufactured homes, new construction, one-time close, manual underwrites and thin credit.
As an independent broker, I'm not tied to one bank. I shop dozens of wholesale lenders to find the best fit for your rate, costs and timeline. I check your VA funding fee exemption on day one, and my files average about 12 days from application to clear to close.
PCSing, buying your first home, refinancing with an IRRRL or pulling cash out? I'll walk you through the numbers in plain English and tell you straight what makes sense.
Licensed in 26 states. Call or text (714) 742-2516.
E Mortgage Capital, Inc. NMLS #1416824. Joe Uhm NMLS #984157. Equal Housing Opportunity.
Experience: 14+ years in mortgage lending and 1,500+ closings. VA loans are more than 90% of my business: purchases, IRRRLs, cash-out refinances, VA manufactured homes, VA construction and one-time close, and manual underwrites. I also do conventional, FHA, jumbo and DSCR loans when they're the better fit.
U.S. Army veteran, Iraq 2006.
Certifications/Awards: 2026 E Mortgage Capital VA Specialist Award
Purple Heart, U.S. Army (Iraq, 2006)
Professional Designations: Licensed Mortgage Loan Originator, NMLS #984157
California DRE #02283271
Manager, E Mortgage Capital, Inc. NMLS #1416824
Licensed in AL, AR, AZ, CA, CO, CT, DE, FL, HI, IA, KS, LA, ME, MN, MO, ND, OR, PA, SD, TN, TX, UT, VA, WA, WI, WY