Thomas Hocking Loan Officer

Thomas Hocking Loan Officer We save home buyers $8k, $10k, $13k or more money buying their home...
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07/26/2026

Your mortgage shouldn’t depend on one person’s schedule.

When you work with me, you’re backed by a dedicated team working together to keep your loan moving forward. While one person is coordinating with your real estate agent, another is reviewing your documents, another is communicating with escrow, and another is keeping you informed every step of the way.

Our goal is simple: proactive communication, timely updates, and a smoother home financing experience from application to closing. Buying a home is one of the biggest financial decisions you'll ever make—you deserve a team that's working behind the scenes so you never feel left wondering what's happening next.

📞 Thomas Hocking | NMLS #989862
📱 714-497-5962
📧 [email protected]

E Mortgage Capital, Inc. | NMLS #1416824
3750 South Susan St, Santa Ana, CA 92704

Equal Housing Lender

NMLS Consumer Access: https://www.nmlsconsumeraccess.org

This communication is for informational purposes only and is not a commitment to lend. All loans are subject to credit approval, underwriting guidelines, and property qualification. Terms and conditions may apply.

07/22/2026

Real estate doesn't stop when the office closes—and neither do I.

Whether it's a Saturday showing, a Sunday offer, or an early morning question before work, having a lender who answers the phone can make all the difference.

From pre-approval questions and payment estimates to document requests and next steps, I'm here to help buyers and agents keep the process moving with clear, timely communication.

🕖 Available 7 days a week, from 7:00 AM to 7:00 PM, because your homebuying journey shouldn't have to wait.

💬 Comment "7TO7" if you want a lender who's there when it matters most, and save this post for when you're ready to buy your next home.

📞 Thomas Hocking | NMLS #989862
📱 714-497-5962
📧 [email protected]

E Mortgage Capital, Inc. | NMLS #1416824
3750 South Susan St, Santa Ana, CA 92704

Equal Housing Lender

NMLS Consumer Access: https://www.nmlsconsumeraccess.org

This communication is for informational purposes only and is not a commitment to lend. All loans are subject to credit approval, underwriting guidelines, and property qualification. Terms and conditions may apply.

07/20/2026

💰 Locked into a 2%, 3%, or 4% mortgage? You don't have to give up your low interest rate to access the equity in your home.

A Home Equity Line of Credit (HELOC) lets you tap into your home's value while keeping your existing first mortgage intact. Whether you're planning home renovations, consolidating debt, covering education expenses, or simply creating financial flexibility, a HELOC could be the solution.

✅ Keep your low-rate mortgage
✅ Access $5,000 to $400,000 (subject to qualification)
✅ Competitive rates & fixed monthly payments
✅ Fast approval process
✅ Co-applicants may qualify using the higher credit score

Curious how much equity you can access? Let's discuss your options and find the best solution for your financial goals.

📞 Thomas Hocking | NMLS #989862
📱 714-497-5962
📧 [email protected]

E Mortgage Capital, Inc. | NMLS #1416824
3750 South Susan St, Santa Ana, CA 92704

Equal Housing Lender

NMLS Consumer Access: https://www.nmlsconsumeraccess.org

This communication is for informational purposes only and is not a commitment to lend. All loans are subject to credit approval, underwriting guidelines, and property qualification. Terms and conditions may apply.

07/16/2026

A lot of people delay buying a home for one reason that has nothing to do with money—they're worried about being pressured.

The endless follow-up calls. The sales tactics. The feeling that they have to make a decision before they're ready.

That's not how I work.

Whether you're buying in the next 30 days, six months from now, or simply exploring your options, my role is to answer your questions, explain your choices, and help you understand the mortgage process—without the pressure.

You deserve honest advice, clear information, and the freedom to move forward on your timeline.

📞 Thomas Hocking | NMLS #989862
📱 714-497-5962
📧 [email protected]

E Mortgage Capital, Inc. | NMLS #1416824
3750 South Susan St, Santa Ana, CA 92704

Equal Housing Lender

NMLS Consumer Access: https://www.nmlsconsumeraccess.org

This communication is for informational purposes only and is not a commitment to lend. All loans are subject to credit approval, underwriting guidelines, and property qualification. Terms and conditions may apply.

07/15/2026

As your real estate portfolio grows, financing shouldn't become the obstacle.

Many investors hit a point where traditional lenders struggle to understand multiple properties, LLC ownership, short-term rentals, or non-traditional income. The right financing strategy isn't just about qualifying for your next loan—it's about creating a plan that supports your long-term investment goals.

Whether you're purchasing your second investment property or expanding an established portfolio, having access to the right loan programs can make all the difference. From DSCR loans and bank statement programs to other investor-focused financing solutions, the goal is to keep your portfolio moving forward—not slowing it down.

📞 Thomas Hocking | NMLS #989862
📱 714-497-5962
📧 [email protected]

E Mortgage Capital, Inc. | NMLS #1416824
3750 South Susan St, Santa Ana, CA 92704

Equal Housing Lender

NMLS Consumer Access: https://www.nmlsconsumeraccess.org

This communication is for informational purposes only and is not a commitment to lend. All loans are subject to credit approval, underwriting guidelines, and property qualification. Terms and conditions may apply.

07/11/2026

Running your own business shouldn't make getting a mortgage feel impossible.

If you're self-employed, own multiple businesses, or have several income streams, you've probably been told your finances are "too complicated." In many cases, the challenge isn't your income—it's presenting it correctly.

With over 25 years of mortgage experience, Thomas Hocking helps self-employed borrowers, business owners, and real estate investors navigate complex income situations by reviewing documentation carefully and identifying financing options that align with current lending guidelines.

Your financial picture may be unique, but that doesn't mean your homeownership goals have to be out of reach.

💬 Comment "SELF" if you're self-employed and have questions about your mortgage options.

📞 Thomas Hocking | NMLS #989862
📱 714-497-5962
📧 [email protected]

E Mortgage Capital, Inc. | NMLS #1416824
3750 South Susan St, Santa Ana, CA 92704

Equal Housing Lender

NMLS Consumer Access: https://www.nmlsconsumeraccess.org

This communication is for informational purposes only and is not a commitment to lend. All loans are subject to credit approval, underwriting guidelines, and property qualification. Terms and conditions may apply.

07/08/2026

Weekend deals don't wait—and neither should your lender.

Realtors, you've been there. You're at an open house, your buyer is ready to write an offer, and they need answers now. But it's Saturday... and the lender is nowhere to be found.

The offer you don't write today could easily be gone by Monday.

That's why I make myself available when real estate actually happens—not just during business hours. Whether it's a weekend, evening, or right in the middle of an open house, I'm here to help your buyers get the answers they need so you can keep the transaction moving with confidence.

The right lending partner doesn't just close loans—they help you win more offers, serve your clients better, and build your reputation.

🏡 Realtors: Comment "TEAM" and let's connect before your next open house—not during it.

📞 Thomas Hocking | NMLS #989862
📱 714-497-5962
📧 [email protected]

E Mortgage Capital, Inc. | NMLS #1416824
3750 South Susan St, Santa Ana, CA 92704

Equal Housing Lender

NMLS Consumer Access: https://www.nmlsconsumeraccess.org

This communication is for informational purposes only and is not a commitment to lend. All loans are subject to credit approval, underwriting guidelines, and property qualification. Terms and conditions may apply.

🇺🇸 Happy 4th of July!Wishing everyone a safe, joyful, and memorable Independence Day filled with family, gratitude, and ...
07/04/2026

🇺🇸 Happy 4th of July!

Wishing everyone a safe, joyful, and memorable Independence Day filled with family, gratitude, and celebration. ❤️🤍💙

Happy Independence Day! 🇺🇸🎆

07/03/2026

📞 One Call. A Few Minutes. Real Numbers.

Buying your first home doesn't have to be confusing.

Many first-time buyers delay reaching out because they think getting mortgage answers means filling out endless paperwork, creating multiple accounts, and waiting days for someone to call back.

It doesn't.

One simple conversation can help you understand:
🏡 What you may qualify for
💰 Your estimated buying power
📋 Your mortgage options
✅ The best next steps based on your goals

No confusing mortgage jargon.
No pressure.
No long process.

Just honest guidance and real numbers so you can move forward with confidence.

💬 Comment "CALL" below or reach out today to get started.

📞 Thomas Hocking | NMLS #989862
📱 714-497-5962
📧 [email protected]

E Mortgage Capital, Inc. | NMLS #1416824
3750 South Susan St, Santa Ana, CA 92704

Equal Housing Lender

NMLS Consumer Access: https://www.nmlsconsumeraccess.org

This communication is for informational purposes only and is not a commitment to lend. All loans are subject to credit approval, underwriting guidelines, and property qualification. Terms and conditions may apply.

06/30/2026

⏳ What if you could close on your home in as little as 15 days instead of waiting the typical 30?

The homebuying process is stressful enough without unnecessary delays. While many escrows take 30 days or longer, a streamlined mortgage process can help eligible buyers close much faster—giving you more time to plan your move and less time worrying about what's happening behind the scenes.

Faster doesn't mean cutting corners. It means proactive communication, efficient processing, and keeping your loan on track every step of the way.

📞 Thomas Hocking | NMLS #989862
📱 714-497-5962
📧 [email protected]

E Mortgage Capital, Inc. | NMLS #1416824
3750 South Susan St, Santa Ana, CA 92704

Equal Housing Lender

NMLS Consumer Access: https://www.nmlsconsumeraccess.org

This communication is for informational purposes only and is not a commitment to lend. All loans are subject to credit approval, underwriting guidelines, and property qualification. Terms and conditions may apply.

Address

999 Corporate Drive , Ste 100
Ladera Ranch, CA
92694

Telephone

+17144975962

Website

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