Jehoshua Shapiro

(800) 619-4400

  • Purchase
  • Refinance
  • Personal service and advice
 
A big drop in gas prices pushed Personal Spending, which was lower by 0.2% in January from December, to its second monthly decline in a row. Inflation remained tame in January as the Federal Reserve's favorite gauge of inflation, the Core Personal Consumption Expenditure (PCE), remained at 1.3% year-over-year. The ISM Index fell to 52.9 from the 53.5 recorded in January. A reading of 50 indicates expansion, below 50 contraction.
No Cost Refinance Loans-Fixed
min $325,000 – no closing costs
Program Rate *Cost APR
30 Year to 417K
30 Yr. <60% LTV
3.875
3.75
0.00
0.00
3.875
3.75
20 Year to 417K
20 Yr.<60% LTV
3.625
3.625
0.00
0.00
3.625
3.625
15 Year to 417K3.00 3.125 0.00 3.125
10 Year to 417K 3.00 0.00 3.00
30 Year to 625.5K
30 Yr. <60% LTV
3.99
3.99
0.00
0.00
3.99
3.99


Welcome to emortgages.com

Wherever you may be in California,  I am proud to offer you unparalleled purchase mortgage and refinance services along with in-house processing. I have over 20 years of experience as a California Mortgage Lender so you can count on me for the program selection, attention to detail and local market knowledge that assures a smooth transaction.
 
You can focus on your dream home while saving money knowing that we're taking care of the details.

Click here to find out more about us and click here to meet the staff. 


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

No Pressure - No Obligation - Just Good Information
 
Find the solution that fits your needs.

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.