Shingo made everything simple and easy to understand. He walked us through the pros and cons, and kept the process moving.
$331,000
Miami FL – HELOC
EmberOak
Capital
Get flexible access to capital for your business, investment or personal needs while keeping your monthly payment manageable.
Why work with us
MORE LOAN OPTIONS THROUGH ONE SIMPLE APPLICATION
Close In 1-2 Weeks | No Appraisal Options | 640 Min. FICO | $75k-$12 Mill
Instead of shopping lender by lender, we make the process simple with one application and one dedicated point of contact. Our team reviews your goals, compares available options, and helps match you with loan programs that fit your situation.
We offer access to in-house lending options, broker relationships, and specialty programs for homeowners, investors, veterans, and borrowers looking for flexible financing.
- HELOC'S, HELOAN's & REFI's
- REVERSE MORTGAGE's
- INVESTMENT PROPERTY LOANS
- LOANS FOR VETERANS (VA)
- FAST FUNDING OPTIONS
EXECUTIVE BRANCH MANAGER
Emberoak Capital is built around a simple idea: your money should move like fire, but your plan should feel as solid as oak. We help investors and ambitious homeowners tap equity and structure debt in a way that feels controlled—not chaotic—so your monthly payments stay manageable while your strategy moves forward.
Led by Shingo Hirayama—The Loan Wolf—with over a decade of experience across origination, underwriting, and processing, Emberoak Capital specializes in simple, fast HELOCs and home‑equity strategies first. From there, we pull in DSCR, non-QM, as well as Conventional, VA, FHA and other second‑mortgage options when they create a smarter long‑term structure.
Every file is treated like a custom build, not a template: clear options, straight talk about the numbers, and a process designed to move quickly without surprises at the closing table.
What Clients Say About Us
Excellent Service!
California
Easy to understand!
The communication was the best part, quick replies, clear next steps, and no confusion. Shingo kept our purchase on track and helped us make smart decisions without ever making us feel pressured.
Arizona
Investor friendly!
I needed a loan that focused more on the property’s income than my personal income. Shingo helped me understand how DSCR financing worked, and kept everything moving quickly.
Colorado
No surprises
After working with other lenders in the past, this experience stood out. Shingo kept everything organized, explained what was happening at each step, and made sure there were no surprises near closing.
Texas
Easy to work with!
I thought the loan process would be stressful, but Shingo made it feel simple from the beginning. He explained each step clearly, and took care of the details so we always knew what to expect.
Washington
Closed on time!
We were working against a tight deadline, and Shingo made sure nothing slipped through the cracks. He kept us updated, explained each step clearly, and helped us get to closing without unnecessary stress.
Florida
Great for investors
Shingo quickly understood what we were trying to accomplish. He focused on the key numbers, rental income, cash flow, and overall leverage and helped us move forward with a loan structure that made sense.
Virginia
Honest advice, no pressure
Shingo gave me the space to make the right decision without feeling rushed. He explained the options clearly, pointed out what to consider, and guided me through the process in a way that felt honest and supportive.
California
What we do
Recently Funded Deals
Actual Property Addresses Will Not Be Displayed
$161,000
VA – HELOC
$651,000
Ca – HELOC
$960,000
WA – Refi
$175,000
PA – HELOC
$245,000
DC – Refinance
$305,000
AZ – HELOC