Yosef Shapiro

Yosef is a SUPERB mortgage advisor. Not only is he very knowledgeable, but also honest and transparent. He explains and guides you through the possible options and scenarios. He is easy to communicate with and responds immediately to any questions or concerns. My husband and I put our trust in him and he exceeded our expectations! If you are looking for an advisor, please look no further and hire Yosef!

Yosef was an amazing partner and advisor/broker throughout our refinancing process. We had been getting a bit of the runaround with another potential broker that we had started the process with, so when we contacted him (based on a referral) we were a little nervous about how it would go. He immediately cured us of all our worries through his honesty, his engagement, his communication, his attention to detail, his
overall competency and knowledge, his speed, and his courteous and patient approach.
Most importantly is the bottom line. He helped us save money (lots) and reach our financial goals

Yosef is fantastic! We were looking to buy a home in San Diego & were talking with a couple different mortgage companies to compare. My brother recommended Yosef based on his own experience & we knew immediately it was the right move. He got us a full spread sheet with cost breakdowns within a day, answered every single question we had with ease, and is extremely responsive. Our realtor really wanted us to use her guy so we compared and Yosef was able to beat their rates every time, without points. Beyond rates though, Yosef responsiveness, along with him cool & calm demeanor just made

ABSOLUTELY FAST & EASY!!
He is The Best!!
Yosef has assisted me twice already with refinancing my home. The first time to remove myself from an adjustable rate to a fixed rate loan and the second time to lower my APR even MORE! I love and whole heartedly appreciate how he was on top of the entire process during both occasions. He literally held my hand throughout.
I, like many people am very busy with 3 growing kids and a husband that works hard at work to bring home the bacon and I'm not sure if it's a good thing but my husband is the type that relies on me entirely to handle

I have worked with 3 different mortgage brokers now between the purchase and refinances of my home and I would recommend Yosef without hesitation. Hands down the best broker I have worked with with access to the best rates and most importantly completely trustworthy and honest. He helped navigate a refinance during market volatility this year and the experience was seamless working with him. Thanks so much Yosef!

Yosef Shapiro is absolutely hands down the mortgage advisor we have met and worked with ! He was recommended by a bunch of our neighbors who used him to refinance their home, and I see why. He went above and beyond to make sure everything went smooth. Very hands on. Multiple hurdles in the way but he used his expertise to guide us through alternatives . Thank you Yosef !

Working with Yosef Shapiro is always a pleasure. He has found us the lowest rates and all transactions have run smoothly. We will work with him again the next time we need to refinance. We recommend him to our friends and family.

I closed two deals with Yosef and plan work with him on my future deals. I am very satisfied with the service and rates. He is very practical and solution oriented. He is willing to work with the buyer and makes the financing experience easy. I highly recommend Yosef to anyone who wants to work with a partner rather than just a lender.

Yosef is a polite young man who gets the job done! He finds the lowest competitive rate and is creative in thinking and management to provide the best solution to your long term or short term goal. I highly recommend him.

I can not recommend Yosef enough!!!
He was with us throughout the entire home buying process. He was extremely knowledgeable and easy to work with as we bought our first home.
Yosef took the time to answer any of the questions we had and did a great job making it easy to understand. At no time did I feel any form of pressure.
Yosef is clearly the best of the best at what he does!!!

HIGHLY recommend Yosef to be your next Mortgage Advisor! He has helped my husband and I refinance our investment property and have worked with him twice! He goes ABOVE AND BEYOND to provide the BEST client experience. He's trustworthy, responsive, a mortgage advisor expert, and has closed within 30 days or less! Don't look any further, contact him for any or your mortgage lending needs ASAP!

Yosef is the BEST. He was able to give us several rate scenarios and access to a number of good lenders. He was very understanding as we were able to map out a economic efficient plan for us to to buy a home that was within our budget. He was there to assist us throughout the entire process with any and all questions. He made us feel like we mattered and our family's future mattered as well.
I would recommend him for any home you are buying and or refinancing.

Yosef is the sharpest and most responsive mortgage broker that I have had the pleasure of dealing with regarding my past history of real estate loans and refinances. Yes, I am a repeat customer and I must say if you want to deal with a professional who is on top of the mortgage markets, Yosef is the one person I sincerely recommend. You will value the experience as much as I have.

Yosef made our buying process painless. He was thorough, diligent and very professional at all times. I could always depend on him to respond quickly to my calls and the abundance of questions my husband and I had. It was an overall great experience. Highly recommend!

Yosef at eMortgages was referred to me by a friend of mine and I couldn't be happier with the loan and the experience altogether. I got rate and closing cost quotes from Yosef and other mortgage lenders and Yosef had the best numbers. I also closed in under 21 days which made my offer the strongest and ultimately got my offer accepted and into the house I wanted! Do your own homework and I'm sure you'll find that going with Yosef is the best option.

Yosef is a blessing to my family!!! We thought we won't be qualified for a home loan due to our low credit scores but he made it possible!!! There were times that I was losing hope but he was honest that it wasn't going to be as easy like any applicants that he handled but he was so patient & guided us throughout the process. We our finally in our house that we call home & it's because of Yosef and special mention also to Christy Navarro, my realtor... Thank you so very much.
It didn't end here!! Yosef gave me a call and reminded me of my other property that needed

I saw his videos on Facebook, gave me feeling he knew what he is doing, I tried to send him a message on Facebook he surprised me that he responded very quickly he was more than welcome to answer my questions, I spoke to him over the phone after than he was so nice and helpful, he even told me even if you don't wanna continue with me I will be more than happy to keep answering your questions if you have any, I think he's a helpful loan advisor especially for first time buyers ,he knew what he's doing

Update: I started the loan application with Yosef to get me the pre-approved started

Yosef has been extremely helpful during our house-hunting process. He has researched multiple loan programs for us and explained how the entire mortgage process works. He has been very responsive and offers some of the best rates out there, which will ultimately save us thousands over the life of our loan! If you are looking for someone who is smart, hardworking, works fast, and sticks up for your best interests, then use Yosef.

My experience with Yosef can easily be described in one word: “Awesome" with an exclamation point! I own several investment properties throughout California and Yosef and his team were able to explain all my refinance options to me. He was able to effectively explain and detail out each loan program in plain terms. He even provided an easy to understand cost-benefit analysis. He knows what he is talking about, quoted me a very competitive rate, and was very professional at the same time. He is also very responsive and easy to get in touch with, which made the entire process smooth and easy. I

Yosef goes the extra mile to get your loan done right. He is honest, detailed and always returns calls and emails. His supporting office is excellent too. I highly recommend his services. If I need another loan in the future he will be the first one I call. I went through approximately 15 mortgage brokers until I found the one who could get me refinanced at a great rate. Documentation was all done on-line thru DocuSign and very easy. Call Yosef...you'll see why I took the time to write this review. You will be writing one soon too.

Could not have asked for a better experience! Working with Yosef was so easy and the purchase of our home could not have gone any smoother. We originally did a 30 day escrow and we were able to close in 25 days thanks to Yosef's hard work, he is definitely the best mortgage broker in the Petaluma and Santa Rosa area! I 100% recommend Yosef!!