Joseph Shalaby is the CEO and Broker of E Mortgage Capital Inc., a top-performing mortgage firm licensed in over 48 states. A UCSB graduate with honors and former law student at Abraham Lincoln University, Joseph has spent over 20 years in the mortgage industry, earning recognition from the Scotsman Guide, UWM Elite 100, and the BBB Torch Award. Known for his integrity-driven and innovative approach, he has helped expand E Mortgage Capital to 900+ licensed loan officers and 40+ physical locations nationwide.
Born in Cairo and raised in California, Joseph's journey was shaped by his family's resilience—especially his father's rise from gas station worker to licensed physician. These experiences fueled his commitment to restoring the American Dream through accessible homeownership solutions and exceptional client service.
Beyond business, Joseph founded the Shalaby Foundation to fight social injustice and support underserved communities through education and faith-based initiatives. His hands-on volunteer work, especially with the homeless, reflects a deep passion for giving back and creating lasting impact beyond the boardroom.
During the show we discussed:
- Mortgage eligibility for self-employed borrowers and required docs
- How lenders verify self-employed income
- Special loan programs for entrepreneurs
- Business income's impact on DTI ratio
- Considering business debts in applications
- Tax and financial statement requirements
- Using business assets for down payment/reserve
- Multiple income streams and loan approval
- Personal vs. business credit checks
- Strengthening applications with fluctuating income
- Refinancing for self-employed borrowers
- Income history needed before refinancing
- Benefits of cash-out refinancing for business growth
- Refinancing investment or second homes
- Refinancing's impact on future business credit
- Latest loan options available
Resources:
https://www.emortgagecapital.com/
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