Jehoshua Shapiro
Get to know Jehoshua
I’m Jehoshua Shapiro, founder of eMortgages.com and a Certified Mortgage Advisor in Petaluma, CA. For 30+ years, I’ve helped people buy and refinance homes with clarity and honesty—not sales pitches. I provide written proposals and real numbers so you can make smart moves. From conventional to jumbo, FHA, VA, and self-employed loans, I’ll help you find the right strategy—fast, simple, and stress-free.
Why choose Jehoshua?
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Questions? Jehoshua has answers.
We prompted questions to Jehoshua so you can learn more about their skills, preferences, and availability.
Yes — I help clients buy homes in other states by handling everything online. From pre-approval to closing, I coordinate with your agent and lender partners to keep the process smooth and stress-free.
Typical lender fees range from $1,200–$2,000 and cover processing, underwriting, and appraisal review. I also offer no-cost options, where lender credits offset those fees for qualified borrowers.
Clients typically need recent pay stubs, W-2s or tax returns, bank statements, a photo ID, and details on income, assets, and debts. Self-employed borrowers may also need profit-and-loss statements.
We use a soft credit pull to review your credit without impacting your score. This lets us provide accurate rate quotes and loan options safely before any formal application.
Clients can expect clear communication, honest advice, and step-by-step guidance from pre-approval to closing. I handle everything personally to ensure a smooth, efficient, stress-free process.