Jehoshua Shapiro

(800) 619-4400

  • Purchase
  • Refinance
  • Personal service and advice

Worker productivity declined in the 4th quarter of 2015. Mortgage rates declined in the latest survey and have fallen for five straight weeks in a row due in part to slowing economic growth. Americans filing for first-time unemployment benefits rose in the latest week, but still remain below the 300,000 level, which is associated with strong labor market.

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No Closing Cost Refinance*
Program Rate *Cost APR
30 Year to 417K 3.625 0.00 3.625
20 Year to 417K 3.375 0.00 3.375
15 Year to 417K 3.00 0.00 3.00
7/1 ARM to 417K 3.125 0.00 3.125
30 Year to 625.5K 3.875 0.00 3.875

*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 Turn Your Debts into Wealth


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Call me today at (800) 619-4400 for a Free Consultation or click to Apply
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.

                   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.