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Program Rate / APR
30 Year Fixed 3.375% / 3.42%
20 Year Fixed 3% / 3.05%
15 Year Fixed 2.5% / 2.55%
7/6 ARM Jumbo 2.625% / 2.69%
30 Year Fix. High Bal. Conf. 3.5% / 3.55%
7/1 Arm 2.875% / 2.92%
Inv. Prop.-Int.Only No Inc. Doc 3.99% / 4.06%
Investment property-30 yr. fixed 3.875% / 3.92%
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Located in Beautiful Northern California, we thrive on the success and satisfaction of our clients.


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Loan Programs

Explore various loan program options for fixed and adjustable rate mortgages.

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Let our Experts Help You Find a Great Loan with a Low Rate and Low Cost

Welcome to our website.

We provide independent advice regarding your real estate needs.

We make less per loan than our competitors and pass the extra savings to you.

We provide the best rates by shopping our lender partners.

We have an actual office located in Petaluma, CA. Please call us to speak directly with one of our staff members, or visit us in person.

Are you first-time home buyer? . We will help and guide you through all paperwork step-by-step.

Need to refinance your mortgage to get better rate? We will get the best deal for your financial plan. All of our rates are updated in real-time by our lenders. Record low fixed rate mortgages.

A cash-out refinance is one of several ways to turn your home's equity into cash. We will help you with your financial plans.

Buying or refinancing investment / rental property, second home - We can help you with your financing needs.

Conventional Loans, Jumbo Loans, Investment Properties Loans, Bank Statements Loans, VA Loans and FHA Loans in Petaluma, CA

Welcome to the official site of emortgages.com. We are a full-service mortgage company based in Petaluma, CA. We specialize in Conventional Loans, Jumbo Loans, Investment Properties Loans, Bank Statements, LoansVA Loans and FHA Loans in Petaluma. We also serve the surrounding cities in Sonoma County, Solano County, Marin County, Alameda County, San Mateo, Santa Clara, Sacramento, San Francisco Bay Area, Los Angeles, San Diego and entire State of California. Whether you are buying a home or refinancing in any of these zip codes: 94954, 94952, 94903, 95402, 95405, 95406, 95013, 94101, we can help you realize your dream of homeownership or save you money when getting your new lower monthly payment.

In terms of Purchase Loan programs, we offer the following:

FHA | VA | USDA | HomePath | Jumbo | Conventional

Refinancing? We can help you with that, too! No Closing Costs Options are Available!

We offer a wide range of refinance options, designed to best meet the needs of local borrowers. If you're looking for cash out, or to just get a better rate and term, we can assist you. We offer the following Refinancing Programs:

FHA Streamline | FHA Cash Out | FHA 203k | VA Streamline | VA Cash Out | USDA Streamline | Conventional | HELOC | HARP | Jumbo

What makes emortgages.com unique is that we offer the following niche programs as well: Down Payment Assistance, No Income verification, Bank Statements loans, Asset Depletion, Investors Loans, Credit Repair.

Contact emortgages.com today to discuss your mortgage loan options, and find out which loan program will best suit your needs.

You can book a Free 15 Minutes Consultation to review your specific lending needs

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Jehoshua Shapiro and eMortgages.com team went above and beyond in helping us successfully close our loan. As it was our first experience in such a complicated transaction, we didn’t know what to expect and sure had many questions. Jehoshua and Lynnie were very helpful, professional, knowledgeable, trustworthy. Thank you!!! Besides, I like to check eMortgages.com on a regular basis since I found it very interesting & helpful.
Millie Y-Los Angeles