EmberOak
CAPITAL

Get flexible access to capital for your business, investment or personal needs while keeping your monthly payment manageable.

Unlock your equity without touching your mortgage!

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#1 HELOC PROVIDER

WHAT IS A HELOC?

A HELOC, or Home Equity Line of Credit, lets you access funds using the equity in your home. It works similar to a credit card, giving you flexible access to money when you need it.

A HELOC does not replace or change your current first mortgage. Your monthly payment is based on the amount you use, not the full credit line available to you.

Married or applying with a co-borrower? We may be able to use both incomes while qualifying with the stronger credit score.

Funds can be used for almost any purpose.

We areTrusted by Homeowners & Investors Nationwide

What Clients Say About Us

Excellent Service!

Shingo made everything simple and easy to understand. He walked us through the pros and cons, and kept the process moving.

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

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