Jehoshua Shapiro

(800) 619-4400

  • Purchase
  • Refinance
  • Personal service and advice

The recent market turmoil here in the U.S. coupled with a delayed hike in interest rates by the Federal Reserve have increased the chances of a recession in the world's largest economy. The U.S. Energy Department reported this week that costs to heat your home this winter should be lower than the past two winters. Mortgage giant and government sponsored entity Fannie Mae reported this week that its Home Purchase Sentiment Index rose in September.

See more on our blog,

No Closing Cost Refinance*
Program Rate *Cost APR
30 Year to 417K 3.875 0.00 3.875
20 Year to 417K 3.625 0.00 3.625
15 Year to 417K 3.125 0.00 3.125
7/1 ARM to 417K 3.375 0.00 3.375
30 Year to 625.5K 3.99 0.00 3.99

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

Our California Mortgage Rates are
among the Lowest Rates in California

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 broker 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.

Check out our rate table above. If you are interested in exploring more rate scenarios, go directly to Our California Mortgage Rates are among the Lowest Rates in California

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.

Why Pre-Approve for Your California
Mortgage Loan?

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.