Our Business is 100% Referral based...

Our goal is to always provide the best rates and service to earn your business and referrals for life! Choosing the right lender means more than simply finding the lowest quote on a 30 year fixed. As your needs change, I'll keep you in the mortgage that fits.

After all, what stays fixed for 30 years?

Fortunately, with your business and that of your referrals of family and friends, we are financially strong and in the mortgage business for the long haul. Emery has always done the highest quality of loans which are A and A+ paper. Emery did very few Sub-Prime loans which are the major source of problems in the industry and has shut down some lenders in our industry. We have done over 38,000 loans since 1993 and less than 200 were originated as Sub-Prime Loans.

As the market adjusts, now is a great time to review your long term plans and possibly move into a longer term loan. For those friends and family that might be in process with lenders and brokers that are in trouble, and don’t know it. Many won’t get their loans closed. Their loans will either be denied due to guideline changes or the brokers/lenders may go out of business before they can fund their loans. Fortunately, your mortgage banker Emery Financial will be around to take care of business. If you have friends or family that are looking to purchase or refinance, make sure that they are as secure as you and please refer them to us

620 Newport Center Drive, Suite 630 Newport Beach CA 92660 (800) 573-6379, (949) 729-9200, ext. 304 Fax: (949) 606-9194
Josh Lemos NMLS #278295

© 2012 W.J. Bradley Mortgage Capital, LLC 6465 Greenwood Plaza Blvd, Suite 500, Centennial, CO 80111 Phone #303-825-5670. NMLS ID 3233. Trade/service marks are the property of W.J. Bradley Mortgage Capital, LLC. This is not a commitment to lend. Restrictions apply. All rights reserved. Some products may not be available in all states. WJB is not acting on behalf of or at the direction of HUD/FHA or the federal government.

AZ License # BK-0903998; Licensed by the Department of Corporations under the California Residential Mortgage Lending Act RML# 4131002; To check the license status of your CO Mortgage Broker, visit www.dora.state.co.us/real-estate/index.htm Colorado Supervised Lender License #991424; Florida Mortgage Lender Servicer license #MLD738; ID Mortgage Broker License No. MBL-2803; IL Residential Mortgage Licensee – License #MB.6760738, 6465 Greenwood Plaza Blvd., Suite 500, Centennial, CO 80111; MN Residential Mortgage Originator License No. 20447094; NV Mortgage Banker License No. 2061; NV Mortgage Broker License No. 504; NM Mortgage Loan Company and

Loan Broker Act Reg. No. 01856; OK Mortgage Broker – License No. MB001365; OR Mortgage Lender License No. ML-776; TX Mortgage Banker Reg. No. 74182; UT Mortgage Lender Company License No. 5495659-NMLC;Utah Consumer Credit Notification; Vermont Lender License #6141; WA Consumer Loan License No. CL-3233; Wisconsin Mortgage Banker License No. 699991. NMLS consumer access: www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/3233.

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