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Abel Tejeda "The Mortgage Guy"

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Abel Tejeda "The Mortgage Guy"

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Let's explore your options together! We are a full service mortgage broker in San Diego, CA. The day you call, I approve and lock the interest rate of your loan.

At eMortgageGuys, we tailor mortgage solutions to fit your needs, whether you're refinancing for a better rate, purchasing your dream home, or leveraging your equity. We especialize in a wide array of lending products, from VA, FHA and conventional to equity loans, bank statement loans and reverse mortgages.My focus is on closing your loans faster and more efficiently. My winning strategy consists of a carefully crafted blend of excellent Interest Rates, Flexible Loan Products and Exceptional Customer Service . This concept combines the winning combination: paperless loan process with instant automated loan approvals.This new process allows American Mortgage Group and our customers to Partner at the Point of Sale.

11/01/2026

Out with my Barbie

10/26/2026

Thank you to every client who has taken the time to leave us a Google review. Those reviews helped make this recognition possible, and I really appreciate every one of them.

Even though this award recognizes our Marina location, the reviews behind it came from clients we have helped throughout California. That makes it even more meaningful.

And thank you to the eMortgageGuys team. You are the ones putting in the work every day and making sure our clients have an experience they feel good about sharing.

I am proud of our team and grateful for the clients who continue to trust us. 🙏

10/23/2026

🏡 If an HEI ( Home Equity Investment) catches your attention because it may have no monthly payment, there’s another question to ask:

“How does this agreement get settled later?”

An HEI is different from a traditional home-equity loan. You receive funds today under a contract that determines what you’ll owe when the agreement ends or another settlement event occurs. The amount can depend on your home’s value and the contract’s specific calculation. 🔎

That makes the details especially important:

✅ Upfront fees and the amount you actually receive
✅ How the future settlement amount is calculated
✅ What happens if your home’s value rises or falls
✅ The deadline and events that require settlement
✅ Your realistic plan for paying that amount

💡 An agreement without monthly payments can still carry substantial costs and a large future obligation. You also need to understand the claim against your home and what could happen if you can’t settle.

Before deciding, I’d want you to see understandable examples and compare the agreement with other available options.

You should have room to ask questions, review the documents, and get independent advice if you want it.

The goal is to understand the commitment well enough to decide whether it fits your plans for the home. 💬

California homeowners: DM me “HEI” and let’s go over the questions to ask.

10/22/2026

⭐ Client Review Spotlight ⭐

Helpful. Professional. Friendly.

Those are the words Geovany used to describe his experience with eMortgageGuys.

He shared that his HELOC process was smooth and stress-free, and that our team helped him access the funds he needed. He also gave special recognition to Josue for going above and beyond, answering his questions, and making sure he felt supported every step of the way.

When homeowners are making important decisions about their equity, clear answers and dependable support matter. That is the level of service we work to provide from the first conversation through the entire process.

Thank you, Geovany, for trusting eMortgageGuys and recommending our team. We truly appreciate your thoughtful review.

Big shoutout to Josue for taking great care of our clients. 👏

🏠 If you are a California homeowner exploring a HELOC or wondering what options may be available, send us a message. No pressure, just clarity.

10/11/2026

🏡 Have equity in your home, but worried your credit will keep you from using it?

It’s easy to look at your credit score and assume the answer will be no before you’ve even asked. Especially if you’ve had a financial setback or been turned down in the past.

But less-than-perfect credit doesn’t automatically close every door. Some equity programs consider lower credit scores, though each has its own requirements. What matters is taking a closer look at your situation instead of making a promise based on one number. 🔎

Here’s where we start:

✅ Your equity position and what you currently owe

✅ Your credit history, not just the score

✅ What you want the funds to accomplish

✅ The requirements of the specific option

✅ Whether the costs and repayment plan fit your situation

💡 The goal isn’t just to find a way to access money. It’s to understand the commitment, the tradeoffs, and whether that option makes sense for you.

Equity alone isn’t an approval. But assuming you have no options isn’t a review, either.

If there’s a potential fit, we can walk through it together. If there isn’t, I’ll be honest about that, too. No judgment, just a clearer picture of where you stand. 💬

California homeowners: DM me “EQUITY” and let’s take a closer look.

Abel Tejeda | eMortgageGuys
NMLS #259168 | DRE #02109711

10/09/2026

🏡 You don’t need perfect credit to start a conversation about your home equity.

And you don’t need to feel embarrassed about asking.

Life happens. An unexpected expense, a difficult stretch, or a financial setback can make it uncomfortable to talk about where things stand. My role isn’t to judge how you got here. It’s to help you understand what might be possible from here. 🤝

If you’ve been thinking, “My credit is bad, so there’s probably no point,” let’s replace that assumption with a closer look.

✅ Understand what you want the funds to accomplish

✅ Discuss your situation and the questions you’ve been hesitant to ask

✅ Review the requirements of potential options

✅ Talk honestly about costs, tradeoffs, and next steps

💡 The goal isn’t simply to access equity. It’s to understand whether doing so makes sense for you and what the commitment would look like.

There may be an option worth exploring. If there isn’t a fit right now, I’ll tell you that, too. No pressure to move forward, just an honest conversation so you’re not left guessing. 💬

California homeowners: Find a time to talk with me.

10/08/2026

⭐ Another 5-Star Review ⭐

Professional support and clear information can make a real difference during the loan process.

Fernando shared that he appreciated the support and information our team provided, and said he would choose eMortgageGuys again if he needed another loan.

That kind of confidence is something we never take for granted. Our goal is to make sure clients feel informed, supported, and comfortable throughout the process.

Thank you, Fernando, for trusting my team and I and for taking the time to share your experience. 🙏

10/06/2026

🏡 You don’t need perfect credit to start a conversation about your home equity.

And you don’t need to feel embarrassed about asking.

If you’ve been thinking, “My credit is bad, so there’s probably no point,” let’s replace that assumption with a closer look.

✅ Understand what you want the funds to accomplish

✅ Review the requirements of potential options

✅ Talk honestly about costs and next steps

There may be an option worth exploring. If there isn’t a fit right now, I’ll tell you that, too. 💬

California homeowners: Find a time to talk with me.

10/06/2026

⭐ Another 5-Star Review ⭐

Trust is built when people do what they say they are going to do.

Ramiro described our team as helpful, trustworthy, and true to our word. Knowing he would recommend eMortgageGuys to others means a lot to us.

That is the experience we work hard to provide: honest guidance, dependable support, and follow-through.

Thank you, Ramiro, for trusting our team and sharing such kind words. We truly appreciate it. 🙏

09/29/2026

HELOC payments 🏡

The payment when you open a HELOC may not be the payment you have later.

Many HELOCs have a borrowing period followed by a repayment period. When that changes, your payment can increase. Variable rates can also change what you owe each month. 📅

Before signing, ask:

✅ When does the borrowing period end?

✅ Does my payment reduce the balance?

✅ What could the repayment-period payment look like?

Your home secures the debt, so understanding the full payment schedule matters.

💬 California homeowners: message me “HELOC” and let’s talk through the questions.

Address

419 West G Street
San Diego, CA
92101

Opening Hours

Monday	9am - 7pm
Tuesday	9am - 7pm
Wednesday	9am - 7pm
Thursday	9am - 7pm
Friday	9am - 7pm
Saturday	9am - 3pm

Website

https://abeltejeda.com/, https://emortgageguys.com/

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