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bd_loans 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

This client initially came to me looking for a simple rate-and-term refinance on their 6.99% conventional loan. We explo...
08/18/2026

This client initially came to me looking for a simple rate-and-term refinance on their 6.99% conventional loan. We explored several options and nearly moved forward with an FHA loan, but after reviewing their credit, I noticed they were carrying a considerable amount of debt.

Instead of only saving them around $250 per month, I recommended a niche conventional cash-out refinance that allows borrowers to access equity up to 89.99% LTV—with no mortgage insurance. Very few lenders offer this product, and it’s generally only available through select mortgage brokers.

The result? We closed a $618,500 cash-out refinance and turned $150 per month in potential savings into approximately $1,400 per month in total savings.

We closed on their primary residence in Knoxville in less than 30 days. The borrowers knew what they wanted, the structure made sense, and the loan moved quickly from application to closing.

This is exactly why who you work with truly matters. The right loan structure can completely change the outcome.

Had to give the best picture some AI Flare and add our boy JHON! who couldnt make it!!!
08/18/2026

Had to give the best picture some AI Flare and add our boy JHON! who couldnt make it!!!

Team Dillard Q2 Celebration & Outing! ⚾️🔥Only missing one of our guys!Last night was an absolute blast. It’s such a bles...
08/15/2026

Team Dillard Q2 Celebration & Outing! ⚾️🔥

Only missing one of our guys!

Last night was an absolute blast. It’s such a blessing to have built a team of hardworking, driven people who have truly become like family.

We’re only getting started. And if you haven’t heard of Team Dillard yet… you will soon. 💪

Crazy full-circle moment for me too — this was my first time ever being in an executive suite. As a kid, I used to go to baseball games and look up at those suites thinking, “That’s where the rich people sit.”

Now I’m taking my team to one for an Angels game. 🙏⚾️

Grateful for how far we’ve come, but we’re nowhere near finished.

Let’s work. 💪
Job’s not done.

July month-end numbers are in! 🔥The Dillard Team finished the month with:🏡 57 units💰 $9.8 million in total volumeHuge sh...
08/13/2026

July month-end numbers are in! 🔥

The Dillard Team finished the month with:

🏡 57 units
💰 $9.8 million in total volume

Huge shoutout to Jhon Lopez and Jeremiah Costello for their hard work and strong production this month. You guys continue to show up, stay consistent, and help push the entire team forward.

Proud of what this team accomplished in July. Let’s keep building and make August even bigger! 🚀

Top LO and Top Team 🚀 Hard Work beats talent everyday of the week.
07/11/2026

Top LO and Top Team 🚀
Hard Work beats talent everyday of the week.

🏡 Just Closed: $900,000 Cash-Out Refinance | Danville, OHExcited for my clients who just completed a $900K cash-out refi...
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?



🚧 Just Funded: $1.08M Ground-Up Construction Loan – Southlake, TX 🏡Huge win for these clients — first-time investors tak...
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.

Team Dillard just had another HUGE month — 44 units and $9.03M funded!Everyone on the team is eating right now. Being a ...
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.

We have come here to chew bubblegum and kick ass… and we're all out of bubblegum.
04/28/2026

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

2026 is shaping up to be one for the books — and we’re just getting started.Watch me win.Grateful for every client and r...
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. 🙏

Address

3750 S Susan Street
Santa Ana, CA
92704

Telephone

+19499224598

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