eSmartLoan.com

eSmartLoan.com started as a division of National Bank of Kansas City, and was acquired by Capital One in 2005.  They are located in Overland Park, Kansas.

Applying for a Mortgage Loan at eSmartLoan.com

You can apply for an eSmartLoan.com online.  After your application is received you will get an email from your personal loan consultant.  After your consultant has chosen the best loan program for you, you will receive confirmation of approval.  This all takes place by the next day.  At this point, you can track the status of your loan online.  Your loan documents are then sent to you by next day service.  After you sign, notarize and send back the documents, it only takes ten days for your loan to close.

Because eSmartLoan.com is now run under Capital One, they operate under the same principals and practices. 

eSmartLoan.com Mortgage Loan Options

ESmartLoan.com offers a variety of loans, including loans for home purchase.  They are proud to note that a borrower can apply for a loan online or by phone and can receive an approval in as little as thirty minutes.  They send the paperwork to your home or office by next day delivery and as soon as you sign and notarize it, you can close your mortgage in ten days or less.

ESmartLoan.com offers many home mortgages, but they highly recommend their Fixed Rate Mortgages and Adjustable Rate Mortgages.  For Fixed Rate Mortgages they offer the standard thirty, twenty-five, twenty, fifteen and ten year terms.  They have minimal to no down payment mortgages for Fixed Rate and Adjustable Rate Mortgages.  For people who want to avoid paying mortgage insurance and can put five to ten percent down, they offer the Home Equity Line of Credit, and for people looking for a loan between $359,650 and two million dollars, they have jumbo loans.  They also have an excellent debt consolidation loan that allows borrowers to borrow up to 125% of their home value.  All of their home loans have low credit score options available.

ESmartLoan.com/ Capital One takes their role as a corporate citizen seriously.  They claim that their basic principal is “Do the Right Thing.”  They embrace diversity, strive to revitalize the social and economic well being of the community, support children and families, provide a financial education program to make people financially informed.  They are ranked at 58 on Standard and Poor’s 500, and ranked fourth in Fortune’s “America’s Most Admired Company” in consumer credit.  They have recently partnered with America’s promise, a group that founded by Colin Powell that recognizes the “100 Best Communities for young people.”

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