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Welcome to EBLOCK LOANS - Your Trusted Independent Mortgage Brokers

At EBLOCK LOANS, we are more than just mortgage brokers; we are pioneers in the world of Decentralized Mortgage Hub service. Our mission is to revolutionize the lending industry by harnessing the power of cutting-edge technology to provide unparalleled service to you. As independent mortgage brokers, we operate without bias, ensuring that everyone receives mortgage solutions that are tailor-made to your unique financial situations. 

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We believe in the power of choice, and our commitment is to find you the best mortgage options available in the market.

What sets us apart is our dedication to thoroughness. When you work with EBLOCK LOANS, you can trust that we leave no stone unturned in understanding your financial goals. Whether you're looking to purchase your dream home, refinance your current property, embark on a new home construction project or need access to capital for a commercial real estate investment, we're here to guide you every step of the way. Discover the EBLOCK LOANS difference today.

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Decentralized

Decentralized

a wide range of lending options through our backend wholesale channels, made readily available.

Mortgage

Mortgage

a customized loan designed to meet your specific financial objectives.

Hub

HUB

Our difference? Mortgage tools, education, empowering information. Experience it!

EBLOCK LOANS operates as a "Decentralized Mortgage HUB," a distinctive approach that embodies the core of our innovative services.

Decentralized: In the traditional mortgage landscape, borrowers often have limited access to a predefined set of loan products from a single lender or institution. However, at EBLOCK LOANS, we've embraced a decentralized approach. This means that we've established a vast network of backend wholesale channels, connecting you to a diverse array of lending options. By decentralizing our lending sources, we break free from the constraints of a single source, ensuring that you have access to a wide range of mortgage products. This broad selection empowers the exploration of more competitive rates, flexible terms, and specialized mortgage solutions that align with your unique financial needs.

Mortgage: At the heart of our "Decentralized Mortgage HUB" is the concept of mortgages. We recognize that a mortgage isn't just a financial transaction; it's a pivotal part of your life's journey. Our experienced mortgage brokers work closely with you to create a mortgage that is tailor-made to meet your specific financial objectives. Whether you're buying your dream home, refinancing your existing property, or undertaking a new construction project, our mortgage offerings are designed to be the perfect fit for your circumstances.

HUB: At EBLOCK LOANS, our "Hub" is your one-stop destination for all things mortgage-related. It's your central point for connecting with the right loan products and information, creating a seamless and transparent mortgage journey. Our Hub encompasses a dynamic Product Search Platform where you can explore, compare, and access mortgage options tailored to your unique financial needs. Inside the Hub, you'll find a cutting-edge Product Lab for hands-on exploration of various loan offerings, a visual Product Matrix to simplify product comparison, and a convenient Product Eligibility tool for clarity on your qualification. We also provide you with premier loan products at your fingertips, ensuring you have access to top-tier financial solutions. The Hub is designed to empower you with the knowledge and resources needed to make informed mortgage decisions.

CEO: Jonathan Arafat

Dedicated. Experienced. Visionary.

 

Jonathan Arafat, the driving force behind our mortgage business, brings over a decade of unwavering commitment and expertise to the industry. His journey, which began in January 2010, has been marked by a relentless pursuit of excellence in every facet of the mortgage business.

Meet Jonathan Arafat, Founder and CEO

With a solid foundation in back-end underwriting, Jonathan possesses a unique insight into the intricate workings of mortgage processes. His analytical prowess, honed through years of hands-on experience, allows him to navigate the complex underwriting landscape with ease. This expertise ensures that our clients receive the most favorable outcomes tailored to their specific needs. His innovative strategies and forward-thinking approach have led to streamlined operations, quicker turnarounds, and increased efficiency. This dedication to process improvement has solidified our reputation as industry leaders.

Jonathan Arafat's journey in the mortgage business is not just about numbers and transactions; it's about people and their dreams. His leadership, experience, and commitment to clear communication have made our mortgage business a trusted partner for countless individuals and families on their home-ownership journey.

Qualification Components (Residential)

We leverage cutting-edge technology to rigorously validate the top eight critical qualification components, guaranteeing precision comparable to solving a Truncated Octahedron Rubik's Cube. This ensures that you can confidently secure the best loan options for your home-ownership goals. These qualification components include, but are not limited to:

 1. Income Review

2. Property Review

3. Asset Review

4. Credit Review

5. Debt-to-Income (DTI) Ratio

6. Real Estate Owned Income/Debt

7. Monthly Housing Expense

8. Loan-to-Value (LTV)

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Why EBLOCK LOANS?

As experts in the field, we consider the following to be the top nine tenets that we live by to better serve you.

1. Referral Based Model:

While the profit-per-loan-based model may not outperform the volume-based model, we firmly believe that the quality and referral-based model is superior. We ensure that you receive a personal touch and unwavering consistency, treating you as our sole client. Therefore, we operate as a quality-driven referral-based model, offering top-tier pricing, with the ultimate goal of empowering you with mortgage expertise through our educational approach.

2. Competitive Pricing:

A winning combination of minimal overhead and unwavering ethical principles is the key to securing an excellent deal. We go the extra mile by not only presenting a broader range of loan options than most, but we also transparently disclose the associated costs for each interest rate and the time it takes to recoup your investment between different rates. Our commitment extends to providing you with the deepest insights to empower you in making an informed decision about your loan program.

3. Company Culture:

We prioritize unity of purpose over the confusion of many voices. During periods of rapid growth, companies often witness an expansion of their workforce and an increase in specialization. This situation can lead to the common challenge where 'the right hand doesn't know what the left hand is doing,' a scenario all too familiar in our industry, particularly during high origination volume cycles. However, we operate differently. We ensure that your file receives special attention from a single dedicated expert, avoiding the introduction of new voices and hands, providing you with a consistent and personalized experience.

4. Precision at Every Stage:

Each file is meticulously prepared, akin to a surgeon, to ensure that it smoothly progresses through every checkpoint, propelling your journey forward with precision and care.

5. Clarity and Accessibility:

Everything we put out including this website is a testament to our commitment to making the mortgage process easy to understand. Through visual aids and clear explanations, we aim to provide you with a transparent view of how we operate. Our goal is for you to look at our website and confidently say, 'These are the people I want to work with.

6. Efficiency in Action:

In the mortgage industry, time can be the deciding factor between success and missed opportunities. Our commitment to speed and precision ensures that we work swiftly and accurately at every stage, safeguarding your deals from unnecessary delays.

7. Transparency and Integrity:

We value your time and trust. Our commitment to honesty means we won't lead you down a path of unnecessary concern or uncertainty due to lack of knowledge. If you don't meet the qualifications, we'll communicate this with clarity right from the outset.

8. Our Comprehensive Toolkit:

Our mortgage solutions come equipped with a range of valuable tools. These include credit repair services, a home listing tool, and our proprietary underwriting tools. With our eligibility assessment by product and a wealth of back-end resources, we empower you with the ability to determine eligibility, calculate important factors, and access clear definitions of key terms and processes.

9. Diverse Loan Product Range:

Partnering with a professional who possesses an extensive network of lending products is invaluable. You never know when the need for a specialized loan, be it for a construction project or commercial real estate investment, may arise. Having access to a wide range of loan products ensures you're well-prepared for any financial venture.

Available Loan Types

Construction Loan

New Construction

A residential construction loan is short-term financing for building or renovating a home. It covers construction costs and is paid off once the project is finished.

Lot/Land Loan

Lot/Land Loan

A land/lot loan is a type of financing that helps you purchase a piece of land for future construction or investment. It's a short-term loan used to acquire the land, and you can typically repay it when you're ready to build or develop on the property.

Mobile Home Loan

Mobile Home Loan

A mobile home, also known as a manufactured home, is a factory-built residence that can be transported to a chosen location. These homes are typically more affordable than traditional houses and come in various sizes and designs.

Commercial Loan

Commercial Loan

A commercial loan is a type of financing designed for business purposes. It provides capital for various real estate acquisition business needs. These loans have terms and conditions tailored to the specific requirements of commercial ventures.

Residential Loan

Residential Loan

A residential mortgage loan is a type of long-term loan used to purchase a home. It allows borrowers to spread the cost of the home over many years, typically 15 to 30, making home-ownership more accessible.

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