Testimonials

 

Excellent! Professional and knowledgeable. Emortgages was able to get me a loan under a difficult and cumbersome situation. They did not give up. I’m very happy with the outcome. Lisa B.

Wonderful company to work with. We did a refinance that went so well, did our vacation home mortgage with them as well. Positive experience. Would use them again for sure. Charles A.

Smooth transaction, quick responses and turn around time. I was referred by a friend and would not hesitate to refer others. Chris H.

Thank you so much, Jehoshua and Lynnie and the rest of the eMortgages office! We were really happy to work with you. The process was painless, we gathered everything we needed, and you were there to help us get it done. Thanks so much! Jana D.

Great experience. Everyone was very helpful and knowledgeable. Michael C.

Everyone we dealt with at emortgages for our refinance was great. Jehoshua Shapiro and Lynnie Le Saux were our primary contacts. They were exceptionally professional, very personable and available at every step for any questions we had. They made the process simple and clear. There were no surprises. I will happily recommend them to family and friends looking for a mortgage or refinance. Thank You!! Scott P.

Great to work with. Thomas F.

It has been a great experience for us to deal with your office. Your team is responsible, quick and efficient. We would definitely do business with you again. Thank you for all you help! Sincerely, Roy and Ruth L.

Second re-fi with emortgages, just as easy as the first. John M.

I have been doing business with Emortgages for many years and am thankful for their help. Rebecca B.

We have used Emortgages a few times to refinance our home over the last 10 years and have had great experiences every time. This last time we were able to reduce the percentage rate and we took cash out that we will use for a new kitchen and for other updating and repairs to our home. Bret W.

Right from the Beginning Emortgages was Awesome! All I can say is Thank You! I have been recommending them to everyone I meet. Jose M.

We’ve utilized the service of eMortgages several times over the years. Each time reminds us why we are committed repeat customers. David L.

Always a successful transaction! lisa S.

Quick progress and best rates. Eko P.

My wife and I recently purchased a home and used emortgages for the financing. Jehoshua locked in a great rate for us and Lynnie kept the loan process moving so we were able to close timely. We were very happy with the experience and plan to contact emortgages for any future refinancings or home purchases. Roman J.

As good as it gets. My husband and I decided to refinance our mortgage last summer and first contacted DLJ Financial (located in Irvine, CA), but, after some time wasted on inefficient communication, missed deadlines and erroneous documents, all a result of dealing with one of their mortgage brokers (please see my other review for more details), we ended up calling Emortgages.com and never regretted it. Theresa Figone, our loan officer, was simply amazing to work with. She stayed on top of the process and made it very smooth and enjoyable. She even stopped by our house (which was very much out of her way) to meet us in person and have us sign the paperwork. Speaking of great customer service.. If that doesn’t make you feel like you are a valued customer, I don’t know what else will. Theresa answered all of our questions, explained all of the options, provided us with very accurate information, gave us some helpful tips, and was simply a pleasure to work with. Less than a month later, we closed. I highly recommend Emortgages and Theresa Figone to anyone who is thinking of refinancing their mortgage. Irina G.

Fabulous team! I would give them 10 stars if I could.  Martin S.

The staff at eMortgages.com provided us with both a primary home refinance and a second home mortgage within the last five years and got us great rates and service both times. Efficient and professional. Thanks everyone! Oliver G.

Jehoshua is very knowledgeable about all the options. Also very quick to respond and to get me the info I need. Have been using him for years now and continue to be very pleased with the service I get. Would highly recommend! Adriana C.

eMortgages is always very quick and easy to work with. Mark C.

I have found eMortgages gives one of the best rates for refi’s in CA. In the past, I have refinanced several times through eMortgages and have been very happy by their professionalism and follow through. Also, important is the ability for me to apply and do everything electronically. Thank you for helping me complete my refi’s. William W.

Emortgages made it extremely easy to refinance our home. They did what they said they would do and when they said it would be done. Richard M.

It was very good, easy, and fast. Thank You.  Raymond S.

Our experience with Emortgages was beyond expectations. Our thanks for the great service from Jehoshua, Lynnie and the rest of the staff. You folks are fast, friendly & professional. Thanks again! Robert R.

Your team is awesome!  I am trying my best to help my parents, raise my kids, work and live life…THANK YOU for helping make this a smooth transaction! Amparo.M.

Thank you for forwarding the appraisal and invoice.  I want to thank you and everyone at Emortgages!  I have to say that having financed/ re-fi’d several times over the years, you were the absolute BEST that I have ever used!! I recommend you to everyone I know.  Tell Joshua and everyone thank you! Keep up the great job that you do.  Hopefully the rates stay low and I’ll be working with you again before the end of the year! Thanks again. Jason W.

Happy New Year to all Staff at E-Mortgages: Thank you all again for getting my re-finance last February.  What a Miracle that was for me and all my family living in my home now.  We can do anything NOW.  I”M 83 and just getting started. You must have a Guardian Angel assisting you. Love and Blessings. Chrystie T. and other 5 family members

Thank you! Thank you! Thank you!   This is great news.

It was a pleasure working with you as well – and any time we can recommend eMortgage, we will. Claudia

Our experience with Emortgages was beyond expectations. Our thanks for the great service from Jehoshua, Lynnie and the rest of the staff. You folks are fast, friendly & professional. Thanks again! Robert R.

E-Mortgages is simply the best in the business. Morrie S.

I have used Emortgages 3 times and each time the process was smooth. The staff do a great job of staying in contact and providing updates on the process. Getting a home loan can be a stressful process – Emortgages has earned my trust and confidence and I highly recommend them. Ari P.

This is the second time we have used eMortgages to refinance our home. On both occasions the process couldn’t have been smoother. Any time we called with any questions or called just to check on how things were going at the Title Company, we always received a prompt and accurate answer. With rates as low as they have been, we’ve ended up saving a lot of money on mortgage interest per month. I have no hesitancy in recommending eMortgages to friends and family. Jehoshua Shapiro and his knowledgeable staff are doing a great job and should rates ever drop to 3.50% for a thirty year fixed, he’ll be getting another call. Very happy. Stan J.

Very pleased! Tracy is a very conscientious employee and answered our questions quickly and efficiently. Eric W.

Always a pleasure working with emortgages. Ileen D.

A re-fi process well done. I recommend EMortgages to friends. Refinancing these days is very different (read particular) than it was a few years ago & seems to involve much more detailed work. Lynnie (our loan processor) is patient to a fault & makes the entire process seamless. Edward D.

Emortgages was extremely efficient and timely in handling my refinance. They made it so easy to handle all of the paper work. I always recommend them when people ask who they should refinance with. Elizabeth C.

Thank you, thank you, thank you. E.Mortgages was able to get me a refinance after 2 rejections. Lynne LeSaux my loan officer was always so encouraging, and gentle, very patient with me. I’m self employed, 82 and had an interest only loan through B. of A. It was due in Feb of 2016. My payments were going to skyrocket. Now I can relax and pass the baton to my very capable daughter to run our business. Take a few trips. Thank you E. Mortgages Chrystie T.

Always eager and very pro-active. Courteous and prompt communication. Love to do business with you. Gopinadh K.

Way beyond expectations, extremely professional, courteous and speed of lightening prompt service Superior work ethic. Elszbieta L.

I could not believe how quick and easy it was to get this home loan, start to finish. The people I worked with were very efficient, courteous and helpful. Anytime I called with a question, it was answered immediately. I have definitely recommended this company to others who were looking at mortgages. Kirstan M.

I received excellent service! Lenny kept me up to date and informed as to where my application was and what was needed. Lisa S.

i cannot say enough about the Petaluma e-mortage office. elsie…………how fabulous she is!!!!!!!!! the wonderful voice who greets you on the phone. entering the office………….here, take some candy! tracy, who handles the paperwork! tenacious…………..on the phone, keeping me updated and going beyond what is asked! Joshua!!!!! a very good business man. he is there to spin numbers and he secured my business transaction without a hitch. I have been dealing with this Petaluma office for sometime. they are my go to folks for home loan information and for real estate transactions. I truly trust the folks in my office and can say…………..they are a team who treated me fabulous!!!!!!!!!!!!!!!!!! Nancy B.

Have done business with Emortgages several times & would again in the future would recommend anyone whose looking for a excellent mortgage company who takes great care of there customers they are great with your needs and are very efficient as well. Richard C.

I have financed and re-financed my mortgages 6 times with eMortgages since 2000 – their rates are very competitive, closing costs are low because the bank (instead of you) pays them. Their staff are very organized making the paperwork part very easy, they explain the process and what to expect next. I also noticed they have a large pool of mortgage companies to choose from – which is the main advantage of using eMortgages. Also getting a quote is painless. These are great people with a lot of integrity – that’s why i’ve gone back to them. I’ve also referred several friends and their experience has been the same – mainly they’ve saved a lot of $$ by refinancing using eMortgages. Thank you Joshua and staff! Ileen D.

Excellent Service. From beginning to end, extremely professional and informative. If I had any questions I could just email or call and they were answered immediately. The team makes financing or refinancing your home a breeze. Renee S

Tracy Chung was AMAZING! She communicated through the entire process and WOW’d me! I was hesitant about using a lender I didn’t know, but I was beyond pleased with her work ethic! Nicki L.

e-mortgages works their tails off for you and always do what they say they will do. No hype, no false promises just efficient work to the end. I will always ask for their help with mortgages before anyone else. Edward D.

I have used Emortgages.com three times over the last 12 years.  They always have the lowest rates but most important is the customer service they provide.  Every step is handled quickly and efficiently every time.  They sent out the application paperwork the day I apply, they schedule an appraiser within a week and they close within their estimated date.  No fuss, no worries.  I highly recommend their service. Mark G.

Have done business with Emortgages several times & would again in the future would recommend anyone whoes looking for a excellent mortgage company who takes great care of there customers they are great with your needs and are very efficient as well. Richard C.

I have financed and re-financed my mortgages 6 times with eMortgages since 2000 – their rates are very competitive, closing costs are low because the bank (instead of you) pays them. Their staff are very organized making the paperwork part very easy, they explain the process and what to expect next. I also noticed they have a large pool of mortgage companies to choose from – which is the main advantage of using eMortgages. Also getting a quote is painless. These are great people with a lot of integrity – that’s why I’ve gone back to them. I’ve also referred several friends and their experience has been the same – mainly they’ve saved alot of $$ by refinancing using eMortgages. Thank you Joshua and staff! Ileen D.

Great experience. Michael F.

Excellent Service. From beginning to end, extremely professional and informative. If I had any questions I could just email or call and they were answered immediately. The team makes financing or refinancing your home a breeze. Renee S.

I just completed my refinance with eMortages. It was my 3-rd time that I was using this company’s service. I am pleased once again. Everything was done as promised, in time and with no issues.

eMortgages is very reliable and I will recommend Jehoshua and his team to my friends with no hesitations. Lana R.

I have used Emortgages.com.three times over the last 12 years.  They always have the lowest rates but most important is the customer service they provide.  Every step is handled quickly and efficiently every time.  They sent out the application paperwork the day I apply, they schedule an appraiser within a week and they close within their estimated date.  No fuss, no worries.  I highly recommend their service. Mark G.

e-mortgages work their tails off for you and always do what they say they will do.  No hype, no false promises just efficient work to the end.  I will always ask for their help with mortgages before anyone else. Edward D.

I have financed and re-financed my mortgages 6 times with eMortgages since 2000 – their rates are very competitive, closing costs are low because the bank (instead of you) pays them.   Their staff are very organized making the paperwork part very easy, they explain the process and what to expect next. I also noticed they have a large pool of mortgage companies to choose from – which is the main advantage of using eMortgages.  Also getting a quote is painless. These are great people with a lot of integrity – that’s why i’ve gone back to them.  I’ve also referred several friends and their experience has been the same – mainly they’ve saved a lot of $$ by refinancing using eMortgages.  Thank you Joshua and staff! Bobby F

Nobody else said it was possible for me to refi – you made it happen! Thanks for that! Ari P.

As per our conversation, please assign my loan documentation to Ms. Tracy Chung for processing. She handled my last refinance and was superb! William G.

Dear Jehoshua:

My son and I want to sincerely thank you and your team for making our dream of home ownership, a reality.  You and your team helped to make it possible for us to enjoy our new lives in our own home. By helping us work through all the myriad of a home purchase you made all the difference in obtaining our home. We are truly grateful for all your professional and caring assistance.

Sincerely, Darren and Forrest

Carol and I wish to thank you for all you did for us. You gave us everything you promised PLUS. Carol and Barry

Dear Jehoshua, my son and I want to sincerely thank you and your team for making our dream of home ownership, a reality. You and your team helped to make it possible for us to enjoy our new lives in our own home. By helping us work through all the myriad of a home purchase you made all the difference in obtaining our home. We are truly grateful for all your professional and caring assistance.

Mr. Shapiro

My thanks to you, Linnie, et. al., for your excellent service on our refi. I think this is the third or fourth we have done with your firm. If and when rates get down to 2%, I will be in touch.

Regards,Peter B.

Dear Jehoshua and Tracy

I just wanted to take the time to thank both of you for the opportunity to own my first home. Thank you for the work you put in and for putting up with me….I do appreciate your help….should I need or know of a friend who needs excellent Mortgage assistance you will be first on my mind…

Thank you…Marty W.

Jehoshua and Tracy,

Our refi successfully closed today.  Thank you for another job really well done.  We continue to promote emortgages to friends and business acquaintances.

Cheers, Steve and Janet W.

I just wanted to let you know that you made my refinance go very smooth.  You always got back to me in a timely manner and kept me updated throughout the process.  It was a pleasure working with you and I look forward to working with you in the future on new clients. Thanks Timothy M.

Thank you Jehoshua and Lynnie!!!

Much appreciated. We received the money last week and the renovation is in full swing. I think it is the 3rd time we re-fi with you, as the rates kept on going down! I hope this is the last time for a while….

I will make sure to refer any friends to you should they have similar plans.

Anders N.

Jehoshua,

Thank you for getting our home mortgage.  My son and I are now completely moved into our new home. We are very happy in our new place. It has made a big difference in our lives. We appreciate the work you and your staff put into making the purchase possible. We will be sending new mortgage seekers your way soon. We are very happy that we chose you for our mortgage.

Darren C

Mr. Shapiro is the man of his words, who keeps his promise toward his clients. He is compatible in his profession, reliable, and honest. John N.

Hi Joshua,

I wanted to make sure that you were aware of how grateful I am for all of your help. Every time I  pay my new mortgage, I think of how much I am saving in interest alone. Not to mention the extremely low interest rate that will stay with us.

I think that you are a professional and very knowledgeable at what you do and I will continue to refer prospective clients your way.

Thank you again and you can be rest assured that I will use your services in the future.

Jim W.

Dear Jehoshua and Lynnie,

Now that everything has been funded and all done – I would like to say THANK YOU SO MUCH for all your help in making all this possible. I really appreciate all the hard work and all your effort to get this all done with all the issues in the last minute.

Again, A HUGE THANK YOU for all of you at Emortgages.

Jeanette De

Jehoshua,

We’ve been in our house for several months now, but I wanted to thank you again for the great job you did with our loan. Thanks!

Best,

Eric T.

Dear Jehoshua and Kelly,

Thank you for your hard work processing our loan. I know you have been very busy lately keeping up with all the activity. I appreciate your straightforward approach and will recommend you to my friends.

Best Regards,

Doug K

Jehoshua and Kelly

When we first started to look for a way to refinance our mortgage, I came across e-mortgages in a review of rates by the local paper, the Santa Rosa Press Democrat. I was a little leery of this new method but the rates seemed lower than any of the others and I put in a phone call. I spoke to Jehoshua and then to Kelly, both of whom struck me as being straightforward and knowledgeable. We went ahead with the application and all was going well except that, because we were away from home and because of the intense demand caused by a sharp decline in rates, we were unable to sign the application form until a few days before the locked-in rate was due to expire. At that point mortgage rates suddenly jumped by a half-percentage point and I became concerned that the deal might not go through in time, either because everyone was under pressure or because, by moving slowly, the loan might not be approved in time, leaving the lender free to get a higher rate of interest.

Everything was done efficiently and with integrity, by e-mortgages and the title company and the loan was made at the low rate agreed. I am writing to express my appreciation and to let you know that I would have no hesitation in recommending this service to others.

Best wishes,

Reg G

Hi Jehoshua,

Thanks for sending the appraisal. We are very happy with the entire refinancing transaction. In looking over the old quote, I can see that you were very accurate in your estimate for closing costs.

Todd

Jehoshua,

Just wanted to send you this note of thanks. I signed my loan papers on Friday. Should get my proceeds tomorrow.

Thank you very much for your patience and excellent service. I will certainly refer to you anyone who asks me for a mortgage broker.

Thanks again,

Mark C

Mrs. Kelly and Mr. Jehoshua,

Thanks for all your efforts in making this loan go through. The escrow just called me and said they received the funds from the first mortgage lender and we are all set to close escrow today.

Thanks to all of you for the wonderful effort.

H. and J.

Joshua and Emortgages Team,

We greatly appreciate you and the Emortgages Team in providing us with the best rate for our home loan.

Thank you.

Nanda R. and Mari R.

Dear Jehoshua and Lynnie:

You guys are great!! Thank you for getting me such a great loan in such a short time frame. Lucie and I signed paper today and wired funds into escrow. We should close on Friday. It’s been a journey for us to find the home we would like to eventually move to when we are ready to leave

the Bay Area, but we believe we’ve found it! And thanks to your hard work it now is ours.

With much appreciation….again…

Lisa S.

Dear Joshua,

Thank you so much for all of your hard work on our loan. It will be a great help to us financially.

It was very nice of you to all the work you did for such a low fee.

Thanks again,

Beth C.