Throughout California, eMortgages.com provides web-based mortgage brokerage with the goal of obtaining rates that are below the market average. It is licensed by the California Department of Real Estate and works closely with national banks and lenders, including ING, US Bank, Citibank, Chase and Wells Fargo. At the eMortgages.com site, customers can participate in free online workshops. Though the company is web-based, it welcomes drop-ins and offers in-person assistance at its Petaluma office.