I’m Jehoshua Shapiro, founder of eMortgages.com and a Certified Mortgage Advisor based right here in Petaluma, California. I’ve been helping people buy and refinance homes for more than 30 years, and here’s the thing—I don’t believe in guesswork or sales pitches. I believe in numbers, clarity, and honest advice that helps you make a smart financial move.
Most people only think about their mortgage when rates drop or when life changes. My clients work with me because I help them think ahead. I show every borrower a written mortgage proposal and financial breakdown so they can see, in plain English, what’s best for their goals—whether that’s lowering payments, pulling out equity, or paying off debt faster.
At eMortgages.com, we handle everything from conventional and jumbo loans to FHA, VA, DSCR investor programs, and self-employed options like bank statement or no-income loans. If it exists, I’ve probably closed it. The goal is simple: help you get the best financing strategy without wasting time, money, or sleep.
If you’re buying a home, refinancing, or just trying to make sense of your options, I’m here to give you real answers, not buzzwords. You’ll get straight talk, smart strategy, and a mortgage plan that actually makes sense for your life.
