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 – January 29, 2018

What’s Ahead For Mortgage Rates This Week – January 29, 2018

January 29, 2018 |

December sales of previously-owned homes dipped to an 18-year low with a reading of 5.57 million sales on a seasonally-adjusted annual basis. Pre-owned home sales were expected to reach 5.73 million homes based on November’s downwardly- revised reading of 5.78 million sales. December sales were 3.6 percent lower month-to-month, but were 1.10 percent higher year-over-year.

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3 Reasons You Might Consider Refinancing Your Mortgage in Early 2018

3 Reasons You Might Consider Refinancing Your Mortgage in Early 2018

January 26, 2018 |

If you are a homeowner who has had their mortgage for a few years, you may be starting to wonder about refinancing. In essence, this is the process of retiring your current mortgage and taking out a new one because the terms are more favorable to you.

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In a Hurry to Buy a Home? Speed Your Mortgage Approval up by Following This Checklist

In a Hurry to Buy a Home? Speed Your Mortgage Approval up by Following This Checklist

January 25, 2018 |

Have you finally found your dream home after months of searching, only to discover that the seller has received other offers? Few circumstances can raise your stress level as much as finding yourself in a bidding war against another buyer. However, being unprepared by not having your finances in order can make the situation even worse.

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NAHB: Home Builder Confidence Drops in January

NAHB: Home Builder Confidence Drops in January

January 24, 2018 |

Homebuilder confidence in housing market conditions dipped two points in January; ongoing challenges including labor shortages and materials costs were cited by the National Association of Home Builders, which provides monthly readings on home builder sentiment. Three component readings of the Housing Market Index declined by one point each. Readings for current sales conditions, housing market conditions for the next six months and for buyer traffic within new single-family housing developments were 79, 78 and 54 respectively.

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Shopping for a Mortgage? Don’t Make These Key Mistakes That Trip Up First-time Buyers

Shopping for a Mortgage? Don’t Make These Key Mistakes That Trip Up First-time Buyers

January 23, 2018 |

Are you ready to dive into the real estate market for the first time? Buying a new house, condo or apartment is an exciting experience that sets you on the path to building your net worth. However, if you are planning to take out a mortgage, you should be aware that there are some potential pitfalls to avoid

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What’s Ahead For Mortgage Rates This Week – January 22, 2018

What’s Ahead For Mortgage Rates This Week – January 22, 2018

January 22, 2018 |

Last week’s economic news included readings on home builder confidence, housing starts and building permits issued. Weekly readings on mortgage rates and new jobless claims were also released; the week wrapped with the University of Michigan’s report on consumer sentiment.

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3 Ways That Buying a New Construction Home Beats Buying an Existing One, Every Time

3 Ways That Buying a New Construction Home Beats Buying an Existing One, Every Time

January 19, 2018 |

Are you in the market for a new house? Whether you are a first-time home buyer or are upgrading to get more space, you will need to choose between buying an existing home or building a brand new one. Let’s explore three reasons why new construction homes are better than existing homes.

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Looking to Buy a Home in 2018 and Don’t Know Where to Start? Here’s a Few Tips

Looking to Buy a Home in 2018 and Don’t Know Where to Start? Here’s a Few Tips

January 18, 2018 |

Are you a renter that has become tired of paying someone else’s mortgage and not building any equity? Or a homeowner who has a growing family and is in need of more space? Whatever the case, if you are in the market for a new home there is no time like the present. Let’s explore a few tips that will help you to prepare for the home buying experience.

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Renovating in 2018? Cash-out Mortgage Refinancing Might Be the Best Way to Fund It

Renovating in 2018? Cash-out Mortgage Refinancing Might Be the Best Way to Fund It

January 17, 2018 |

If you are a homeowner thinking about a significant home renovation in 2018, you have probably already considered your budget. As with any large project, you need to have the ability to pay the expected costs plus have a little bit extra set aside, just in case.

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What’s Ahead For Mortgage Rates This Week – January 16, 2018

What’s Ahead For Mortgage Rates This Week – January 16, 2018

January 16, 2018 |

Consumer prices fell from November’s reading of 0.40 percent growth to o.10 percent growth in December, which matched expectations. The Core Consumer Price Index, which excludes volatile food and energy prices, dropped to 0.30 percent from November’s growth rate of 0.40 percent. Analysts expected a Core CPI reading of 0.20 percent for December.

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