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Brandon Dillard, Division Manager, NMLS #2009875 | E Mortgage Capital, Inc. Licensed Lending Officer, Branch Manager, with E Mortgage Capital.

d/b/a E Mortgage Capital, NMLS #1416824 | www.nmlsconsumeraccess.org | Equal Housing Lender | E Mortgage Capital is a full-service mortgage brokerage with access to 100+ lenders. NMLS # 2009875 NMLS # 1416824

06/06/2026

🏡 Just Closed: $900,000 Cash-Out Refinance | Danville, OH

Excited for my clients who just completed a $900K cash-out refinance on their 30-acre primary residence using a bank statement loan.

This wasn’t a standard deal.

Most bank statement lenders cap acreage at 10 acres, so getting this done required finding the right lender and structuring the loan correctly.

We locked them into a 30-year fixed cash-out refinance at 6.875% and helped position them for their next move.

The goal wasn’t just lowering payments or pulling cash — it was creating leverage.

Their plan is to use the equity from their primary home to continue growing their rental portfolio and expand their real estate investments.

This is exactly why I love mortgage planning. Sometimes your home isn’t just where you live — it’s the tool that helps build long-term wealth.

✅ $900,000 Cash-Out Refinance
✅ 30 Acres
✅ Bank Statement Loan
✅ 30-Year Fixed
✅ 6.875% Locked Rate
✅ Capital Released to Grow Rental Portfolio

What investors do you know that could benefit from accessing equity to expand their portfolio?

06/03/2026

🚧 Just Funded: $1.08M Ground-Up Construction Loan – Southlake, TX 🏡

Huge win for these clients — first-time investors taking on their very first ground-up construction project.

Despite a 650 FICO score and no experience, we structured and closed a $1.08M construction loan to help bring their vision to life in under 60 days.

This is exactly why working with a mortgage broker matters — every deal is different, and the right lending strategy can make projects happen that many assume won’t get approved.

✅ $1.08M Loan Amount Cash out Refinance on Owned Land
✅ Ground-Up Construction Financing using after constructed value
✅ First-Time Investors
✅ 650 Credit Score
✅ No Reserves Required
✅ No Money out of pocket (Except for Appraisal)

If you're looking to build, invest, or explore construction financing options, let’s talk.

05/01/2026

Team Dillard just had another HUGE month — 44 units and $9.03M funded!

Everyone on the team is eating right now. Being a broker isn’t easy, but this crew makes it look effortless. Grateful to lead a group that shows up, puts in the work, and wins.

Working from home. Making six figures. Being present for our families.

That’s the Team Dillard motto. We funded $13M last month — momentum is building and we’re just getting started. Goal is 100+ Million this year.

04/28/2026

We have come here to chew bubblegum and kick ass… and we're all out of bubblegum.

04/11/2026

2026 is shaping up to be one for the books — and we’re just getting started.

Watch me win.

Grateful for every client and referral partner who’s part of the journey. 🙏

04/10/2026

2026 — we’re locked in.

Some of the scariest decisions end up changing everything. Bet on yourself, take the risk, and watch it pay off.

Here’s to chasing — and actually achieving — everything you’ve ever dreamed of. 🥂

03/07/2026

Just funded $1,500,000 in Home Equity Loans for homeowners here in Orange County, CA. 💰🏡

1️⃣ San Clemente Borrower – $750,000 Home Equity Loan
W-2 + self-employed attorney who needed access to a large amount of equity. Most lenders cap their second mortgages at $500,000, but we were able to structure the file using mixed income and asset depletion to secure a $750,000 HELOAN. EMC can go up to $1,000,000 on second mortgages, which made the difference on this file.

2️⃣ Coto de Caza Borrower – $500,000 HELOAN

Self-employed homeowner looking to remodel his property and expand his business. After being turned down by other lenders, we re-worked the income strategy and got the deal approved with better terms than he thought possible.

We structured the loan using a 12-month bank statement program — no tax returns required — allowing us to use 80% of his business deposits as qualifying income, which made the numbers work and got the deal funded.

Both files had previously been declined elsewhere. With the right loan strategy and lending partners, we were able to get them funded.

Who you work with matters. If you’ve been told no before, it may just mean you haven’t talked to the right lender yet.

📩 DM me if you want to see what your home equity options look like.

03/06/2026

🏡 WELCOME HOME!

Another one closed in Seminole with the help of Evan Perrett! Huge congratulations to these 20-year-old first-time homeowners who just bought their very first house.

Evan helped negotiate $15,000 in seller concessions, which covered their closing costs — meaning they actually brought LESS to closing than the 3.5% down payment typically required.

Even better, they locked in a 5.625% loan with a 2-year temporary rate buydown:

• Year 1: 3.625%
• Year 2: 4.625%
• Year 3+: 5.625%

That buydown alone saves them around $600 per month in the first year of the loan.

Buying a home in your early 20s and already building equity is a huge move. This deal is a perfect example of why who you work with matters — the right strategy, negotiation, and loan structure can make a massive difference in how much cash you bring to closing and what your payment looks like.

Proud of the team and excited for these new homeowners! If you want to see what options might be available for you, send me a message. 📩

02/14/2026

Why take out a loan you don’t need yet?”

This Riverside investor wanted access to capital for upcoming fix & flip projects — without making full payments on day one.

So we built him a $500,000 TRUE NO-DRAW HELOC that only charges interest on what he actually uses.

Even better?
We qualified him using bank statements only — no tax returns required.

The structure was designed for real estate investors:

✅ 10-year draw period
✅ 10-year interest-only payments
✅ Reusable line of credit for multiple flips
✅ No minimum draw required
✅ Keeps cash flow flexible
✅ Preserves equity and leverage

As a real estate agent and experienced flipper, his goal was to maximize cash flow, maintain tax efficiency, and keep capital available for future deals — and this solution checked every box.

From strategy to signing, everything came together quickly and seamlessly.

If you’re a real estate investor sitting on equity and want a flexible funding tool you can use over and over again for your flips… this is exactly how you do it.

02/07/2026

Had to jump on the ask AI to Create a caricature of me and my job based on everything you know about me.

Address

3750 S Susan Street
Santa Ana, CA
92704

Telephone

+19499224598

Website

http://www.loansbybd.com/, https://www.emortgagecapital.com/licensing, https://www.nmlsconsumeraccess.org/, https://www.

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