Jehoshua Shapiro

(800) 619-4400

  • Purchase
  • Refinance
  • Personal service and advice

The National Retail Federation (NRF) reports that 135 million Americans will shop this weekend as the holiday shopping season kicks off. Gas prices at the pump continue to edge lower across the nation with oil prices hovering near multi-year lows due to a glut of oil flowing through the pipes. The national Average price for a regular gallon of gasoline hit $2.05 today, down from $2.20 a month ago and from $2.78 a year ago.

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No Closing Cost Refinance*
Program Rate *Cost APR
30 Year to 417K 4.00 0.00 4.00
20 Year to 417K 3.75 0.00 3.75
15 Year to 417K 3.25 0.00 3.25
7/1 ARM to 417K 3.50 0.00 3.50
30 Year to 625.5K 4.125 0.00 4.125

*FICO Score 740. Minimum loan amount $325,000. Loan to value < 75%. One unit properties. Owner occupied. No cash-out.

This Week's Money Tip:

How to Protect Your Kids From School Debt

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Call me today at (800) 619-4400 for a Free Consultation or click to Apply Now and start the process at your convenience.

If you are thinking of purchasing a home, we suggest that you get pre-approved for your mortgage.

You can start the process for your California mortgage loan on the Purchase Assistant page.

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Purchasing a Home?

Turn the home of your dreams into reality. Whether you are buying your first home, second home, or vacation property, use this FREE self-help tool to determine exactly what type of purchase loan is best for you.


Need to Refinance?

Save money by taking advantage of the lowest rates available. Whether you are looking to lower your rate, lower your monthly payment, or tap into your home's equity, use this FREE self-help tool to determine exactly what type of refinance solution is best for you.


Consolidating Debt?

Use your home to help eliminate bad debt and bundle your bills into one easy monthly payment. Whether you need to pay off high-interest credit cards or you just need cash now, use this FREE self-help tool to determine exactly what type of debt consolidation program is best for you.