Welcome to Emery Financial Group, a Division of W.J. Bradley Mortgage Capital, LLC.. We are a Direct FHA, VA and Conventional lender. By being a direct lender we are able to process, underwrite, and fund loans with our own warehouse lines. Our office is located in Newport Beach, CA This gives us control of your transaction from start to finish, which is important when it comes to closing purchase transaction loans.

We are located in Newport Beach, which is in Orange County, CA and close loans in California, as well as several other western states.

If you are an Orange County, California first-time home buyer, VA eligible borrower, or have bought a home before and are looking to get FHA financing you have come to the right place. At Emery Financial Group our FHA and VA home loan Specialists will take you through the loan process step-by-step.
And because it's an FHA or VA (or Conventional) loan, Emery Financial group will offer you low, affordable rates.

                 With our Government Loan Programs you can:
                    • Purchase a Home with only 3.5% Down Payment using the FHA Program
                    • Purchase a home with $0 Down with the VA Loan Program - to $700,000
                    • Refinance or purchase
                    • Make Energy-Efficient Improvements

Be sure to check out the high Orange County, CA FHA and VA Loan Limits.

License Information

© 2012 W.J. Bradley Mortgage Capital, LLC 6465 Greenwood Plaza Blvd, Suite 500, Centennial, CO 80111 Phone #303-825-5670. NMLS ID 3233. Trade/service marks are the property of W.J. Bradley Mortgage Capital, LLC. This is not a commitment to lend. Restrictions apply. All rights reserved. Some products may not be available in all states. WJB is not acting on behalf of or at the direction of HUD/FHA or the federal government.

AZ License # BK-0903998; Licensed by the Department of Corporations under the California Residential Mortgage Lending Act RML# 4131002; To check the license status of your CO Mortgage Broker, visit www.dora.state.co.us/real-estate/index.htm; Colorado Supervised Lender License #991424; Florida Mortgage Lender Servicer license #MLD738; ID Mortgage Broker License No. MBL-2803; IL Residential Mortgage Licensee – License #MB.6760738, 6465 Greenwood Plaza Blvd., Suite 500, Centennial, CO 80111; MN Residential Mortgage Originator License No. 20447094; NV Mortgage Banker License No. 2061; NV Mortgage Broker License No. 504; NM Mortgage Loan Company and Loan Broker Act Reg. No. 01856; OK Mortgage Broker- License No. MB001365; OR Mortgage Lender License No. ML-776; TX Mortgage Banker Reg. No. 74182; UT Mortgage Lender Company License No. 5495659-NMLC; Utah Consumer Credit Notification; Vermont Lender License #6141; WA Consumer Loan License No. CL-3233; Wisconsin Mortgage Banker License No. 699991. NMLS consumer access: www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/3233.

This site intended for California.

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Find the perfect loan to fit your needs:

Purchasing a Home?

Turn the home of your dreams into reality. Whether you are buying your first home, second home, or vacation property, use this FREE self-help tool to determine exactly what type of purchase loan is best for you.

Need to Refinance?

Save money by taking advantage of the lowest rates available. Whether you are looking to lower your rate, lower your monthly payment, or tap into your home's equity, use this FREE self-help tool to determine exactly what type of refinance solution is best for you.

Consolidating Debt?

Use your home to help eliminate bad debt and bundle your bills into one easy monthly payment. Whether you need to pay off high-interest credit cards, put your kids through college, or you just need cash now, use this FREE self-help tool to determine exactly what type of debt consolidation program is best for you.