Virtual Real Estate Services.
One advisor. Full spectrum. Buy, sell at 1%, get a written cash offer — or refinance smarter with FHA, VA, and cash-out options through E Mortgage Capital.
Buy A Home
Curated matches, private showings, offer writing, and financing strategy — one licensed pro, start to close.
Check Rates
60-second check through E Mortgage Capital. Purchase, cash-out, HELOC — plus FHA Streamline & VA IRRRL refis.
Sell Smart
Cash offer in 24 hours, or list with a licensed broker at just 1% commission. Your choice.
Refinance Smarter —
Especially FHA & VA.
Already have an FHA or VA loan? A streamline refinance may lower your rate with far less paperwork than you'd expect — often with no appraisal. One quick form, real options.
Already have an FHA loan?
The FHA Streamline program is built to lower your rate or payment — fast.
- Reduced documentation
- Often no appraisal required
- Must show a net tangible benefit to you
- May work even if your home's value dipped
Have a VA loan? Thank you.
The VA Interest Rate Reduction Refinance Loan (IRRRL) keeps it simple for veterans.
- Limited paperwork, streamlined process
- Often no appraisal required
- Move from an ARM to a stable fixed rate
- Funding fee may apply — some veterans exempt
Tap equity or restructure.
Conventional, FHA, and VA cash-out, HELOCs, and rate-and-term refis — compared side by side.
- Consolidate higher-interest debt
- Fund improvements or reserves
- HELOC options that leave your first loan alone
- One form compares 30+ programs
Program guidelines apply. All financing subject to credit and program approval through E Mortgage Capital, Inc. (NMLS #1416824); this is not a commitment to lend and not all applicants will qualify. A refinance may increase the total finance charges paid over the life of the loan. FHA mortgage insurance and VA funding fees may apply. You are not required to use E Mortgage Capital as a condition of any real estate service. Equal Housing Lender.
Hi, I'm Paul.
With 20 years in real estate brokerage and mortgage lending, I built Virtual Broker to give clients something rare — a single, trusted advisor who can handle every side of the transaction. No hand-offs. No sales pressure. Just holistic guidance from someone who's seen every market cycle and knows how to protect your interests whether you're buying, selling, or financing.
Lending That Works For You.
As a licensed loan officer with E Mortgage Capital — one of California's most competitive direct lenders — I bring institutional access to loan programs most brokers can't offer. Conventional, FHA, VA, Jumbo, Non-QM, and more. Rates you can trust, timelines that close. Direct lender means EMC underwrites and funds in-house — fewer hand-offs, faster answers, no middleman markup. Purchase or refinance — including FHA Streamline and VA IRRRL — one conversation covers it.
You are not required to use E Mortgage Capital as a condition of any real estate service. Other settlement service providers offer similar services — you are free to shop around. All loans subject to credit and program approval. Equal Housing Lender.
List Your Home
at Just 1%.*
Most agents charge 2.5–3% just for their side. We charge 1% — and deliver full licensed broker service, tech-forward marketing, and expert negotiation.
What You Actually Net
On a $700,000 sale with 2.5% buyer's agent:
Net Sheet Estimator
A discreet, certain sale —
on your timeline.
Foreclosure, divorce, inherited property, or a tired portfolio? We acquire directly — no listings, no showings, no public exposure. A straightforward offer and a close date you choose.
- No repairs, cleaning, or staging
- No open houses or showings
- You select the closing date
- No commissions or hidden fees
- Written offer within 24 hours
Illustrative only. Offers subject to property review, title, and investor approval. Not a guarantee of purchase.
See it on Zillow at 10pm?
Book the showing at 10:01.
Don't wait for business hours. Paste the listing, pick your time, and initiate the whole process — buyer agreement, pre-qual, even the offer itself — right now. A licensed pro confirms, usually within a day.
Every move starts here. Any hour.
Homeowner, buyer, or investor — start online now and a licensed pro follows up personally. No waiting for business hours.
Schedule a Showing
Found one tonight? Book the private showing now — agreement and pre-qual handled online.
Write an Offer
Answer the key questions online. We draft it, review every term with you, then you sign.
Monitor My Rate
We watch the market against your loan. When a drop may actually help you, you get an email.
Compare My Rate
Got a quote elsewhere? Share it for a free, honest review. If it's a great deal, we'll tell you to take it.
Check Today's Options
Purchase or refi — one 60-second form, real options across 30+ programs through EMC.
Off-Market Requests
Tell us exactly what you're hunting. We search direct-to-seller — before it goes public.
1031 Exchange
Clock running? We help identify replacement property fast — off-market included.
Ask Paul
A real question deserves a real answer from a licensed pro — not a chatbot.
Creative Solutions for Any Market
We specialize in the complex transactions most agents won't touch.
2-1 Buydowns
Reduce your rate 2% in year one, 1% in year two. A powerful tool in a high-rate market.
Seller Financing
Skip the bank entirely. We structure deals with seller carry-back notes at favorable terms.
Assumable Mortgages
Take over an existing FHA or VA loan at its original low rate — a massive advantage today.
Investment Analysis
Cap rates, cash-on-cash returns, DSCR loans. We crunch the numbers so you invest smart.
Off-Market Access
Tap into our direct seller network before properties hit MLS. Exclusive pocket listings.
Rate & Term Refi
Positioned for the next rate drop. Get pre-qualified now so you can move in 24 hours when it comes.
Ready for a smarter approach?
One call covers your real estate and lending strategy — no referrals, no hand-offs.
Exclusive Off-Market Opportunities
Distressed sales, pocket listings, and creative finance deals — 20-40% below market, direct to seller.
Join The VIP Investor List
Get alerted 24-48 hours before we go public.
Bought. Sold. Financed.
Hundreds of homes across California. Real clients, real results.
"Paul and his staff are great. Knowledgeable, answered all of our questions and respond quickly."
— Karlena Southworth"Loved working with this team! Took in my info and did what they said. Made it happen!"
— Russel Gaskins"Can't recommend Paul high enough. A daunting process that Paul made extremely easy."
— Chris Davvy
Virtual Broker and E Mortgage Capital, Inc. are committed to Equal Housing Opportunity. We do not discriminate against any person because of race, color, religion, national origin, sex, handicap, or familial status. All mortgage products are subject to credit and property approval. Rates and programs are subject to change without notice. Not all products are available in all states.
Software, website, landing page, business phone, and CRM build services (including The Digital Stack) are provided independently and are not real estate brokerage or mortgage origination services. Custom build pricing and deliverables are defined in a separate written agreement; third-party platform fees may apply. No specific business result is guaranteed. · Privacy · Terms
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DRE 01726611 NMLS 866511
Sponsored by E Mortgage Capital NMLS 1416824
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