Licensing and regulatory disclosures

Nest Vibez is the public-facing brand of Prabhu Rangaraju DBA Nest Vibez, Powered by Emortgage Capital.

Mortgage loan originators and companies operating in the United States must maintain appropriate state licenses and National Mortgage Licensing System & Registry (NMLS) identification where required.

Current NMLS identifiers:

• Mortgage Broker: Prabhu Rangaraju — NMLS #2231790

• Company: E Mortgage Capital, Inc, DBA E Mortgage Capital — NMLS #1416824

• DBA / brand: Nest Vibez

Legal entity: E Mortgage Capital, Inc, DBA E Mortgage Capital.

Address: 3750 S Susan Street, Santa Ana, California 92704.

Consumer phone: +1 973-873-8332. Corporate phone: (855) 569-3700.

Email: prangaraju@emortgagecapital.com.

E Mortgage Capital, Inc. is licensed to conduct business in the states in which it operates. License types and authorized activities vary by state.

Not all products or programs are available in all states. Your Mortgage Broker will confirm availability for your property location and scenario.

We are an Equal Housing Lender. We do not discriminate on the basis of race, color, religion, national origin, sex, familial status, disability, or any other characteristic protected by the Fair Housing Act or other applicable federal or state fair lending laws.

E Mortgage Capital, Inc. is an Equal Opportunity Employer and does not discriminate in employment on the basis of protected classes under applicable law.

This website is for general information and advertising only. It is not a commitment to lend, a loan offer, or a guarantee of any rate, APR, fee, program, approval, or closing timeline.

All loans are subject to credit approval, underwriting, property eligibility, and other conditions. Not all borrowers or properties will qualify. Rates, terms, programs, and availability are subject to change without notice and may not be available in all states.

We do not claim to offer the lowest rate, best price, or fastest closing. Any examples, calculators, or reviews are illustrative or individual experiences — not typical results.

We are not affiliated with any government agency (including FHA, VA, USDA, Fannie Mae, or Freddie Mac), even when discussing government-backed or conforming loan programs. Equal Housing Lender.

Certifications for EMC Mortgage Brokers are internally issued by E Mortgage Capital and do not extend beyond the organization. Certification is typically granted after a predetermined number of loans of the applicable type have been successfully completed and funded.

Contact Prabhu Rangaraju at +1 973-873-8332 or prangaraju@emortgagecapital.com.