Author Archive: Jehoshua Shapiro

Emortgages.com has been in business since 1998. We were one of the first mortgage companies in the country to take the mortgage business online. We wanted to give our customers 24/7 access to rates, application forms, and mortgage information.

We have a great group of agents and processors who are ready and willing to help our customers through the entire home mortgage process from start to finish. We understand that you have many mortgage consultant options and are prepared to earn your long term trust.

I would love to connect with you about any of your real estate finance questions. Give me a call at our office number (707) 763-6290, toll-free at (800) 619-4400 or email me at js@emortgages.com. Am looking forward to being in touch.

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What’s Ahead For Mortgage Rates This Week – February 12th, 2018

What’s Ahead For Mortgage Rates This Week – February 12th, 2018

February 12, 2018 |

Jerome “Jay” Powell was sworn in as Chair of the Federal Reserve amidst wild fluctuations in U.S. stock markets. Analysts attributed sliding stock prices to fears over inflation.

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Down Payments 101: Is It Worth It to Put More Than 20 Percent Down?

Down Payments 101: Is It Worth It to Put More Than 20 Percent Down?

February 9, 2018 |

Are you thinking of buying a new home this spring or summer? If so, you’re not alone. Many thousands of individuals and families alike will become homeowners this year. Whether you’re a first-time buyer or a seasoned veteran of the housing market, you probably know there are significant choices to make. One of the big decisions you will have to ponder is how much you want to invest in your down payment.

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3 Reasons Why Buying an Investment Property Is the Best Way to Build Your Net Worth

3 Reasons Why Buying an Investment Property Is the Best Way to Build Your Net Worth

February 8, 2018 |

Whether you have recently graduated from college or are getting close to retirement, it’s likely that you have given some thought as to how you can grow your net worth. You might have invested in stocks, picked up a few bonds or have a 401(k) plan set up to help fund your retirement. But have you considered buying real estate as part of your portfolio?

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Case-Shiller Home Price Growth Ticks Upward in November Reading

Case-Shiller Home Price Growth Ticks Upward in November Reading

February 7, 2018 |

Home prices increased in November, with national home prices up 0.70 percent month-to-month and 6.20 percent higher year-over year. Case-Shiller’s 20-City Home Price Index rose by 0.70 percent in the three-month period ending in November; nationally, home prices grew 6.20 percent year-over-year.

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The 4-Step Financial Checkup to Get Ready for a Mortgage in 2018

The 4-Step Financial Checkup to Get Ready for a Mortgage in 2018

February 6, 2018 |

Are you ready to join the ranks of homeowners in our local community? Congratulations – homeownership is a big step towards building your net worth and financial freedom. However, it is also a significant transaction that will affect your finances for the foreseeable future. Let’s take a look at a quick four-step checklist that will help you to get ready to buy a home with a mortgage in 2018.

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What’s Ahead For Mortgage Rates This Week – February 5th, 2018

What’s Ahead For Mortgage Rates This Week – February 5th, 2018

February 5, 2018 |

Last week’s economic releases included readings on pending home sales, Case-Shiller Home Price Indices and construction spending. The Federal Open Market Committee of the Federal Reserve released its monthly statement and weekly readings on mortgage rates and new jobless claims were released. Last week’s economic readings wrapped with a report on consumer confidence.

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What Is Mortgage Insurance and How Does It Benefit Me? Let’s Take a Look

What Is Mortgage Insurance and How Does It Benefit Me? Let’s Take a Look

February 2, 2018 |

Are you in the market for a new home? If you are considering a mortgage, you may be curious about mortgage insurance, commonly referred to as PMI or MI. Let’s explore the topic of mortgage insurance, including how it works to reduce risk and how it benefits you as the mortgage borrower.

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The Mortgage Helper: How to Find the Perfect Tenant for Your Basement Suite

The Mortgage Helper: How to Find the Perfect Tenant for Your Basement Suite

February 1, 2018 |

Do you have an empty basement or separated suite in your home? If you have a suite sitting empty, you are missing out on collecting some extra monthly income in the form of rent. Let’s take a look at a quick four-step process that will help you find the perfect tenant to rent out your basement suite.

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Spring Is Coming: Get a Jump on Spring Cleaning and Breathe New Life into Your Tired Spaces

Spring Is Coming: Get a Jump on Spring Cleaning and Breathe New Life into Your Tired Spaces

January 31, 2018 |

Spring is almost here – and with it, the need to clean out the clutter and freshen up your home. Let’s explore a few tips that will help you to get a jump on your spring cleaning so that you can get outside and enjoy the nice weather later.

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Curious About Homeowners’ Association (HOA) Fees? Here’s What You Need to Know

Curious About Homeowners’ Association (HOA) Fees? Here’s What You Need to Know

January 30, 2018 |

If you are thinking of buying a condominium or a home that is part of a planned community, you have likely come across the term “homeowners’ association” or HOA. In short, the HOA is a coalition of local homeowners who have banded together to manage the needs of the local community. Let’s explore the concept of the homeowners’ association, why they charge fees and what you can expect from your HOA if you buy a home that is part of one.

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