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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6 Money Making Tips For The First Time Home Seller

6 Money Making Tips For The First Time Home Seller

April 6, 2018 |

Today’s homebuyers can have specific ideas and personal preferences that influence their decision on what attracts them to a particular property. While some prefer a fixer-upper, many desire a home that’s as close to turn-key as possible.

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Should You Consider an Adjustable Rate Mortgage For Your Home Purchase?

Should You Consider an Adjustable Rate Mortgage For Your Home Purchase?

April 5, 2018 |

With mortgage rates finally looking like they may move upward a bit as the overall market improves the adjustable rate mortgage starts to come into play again.

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Questions and Answers Regarding The Veterans Loan Program

Questions and Answers Regarding The Veterans Loan Program

April 3, 2018 |

Owning a home is important to military veterans just like the majority of other consumers. The Veteran’s Administration has provided an exceptional benefit for those who have served (or are currently serving) in any of the armed forces. And this VA Loan Program is helping thousands of service members achieve the goal of home ownership.

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The Younger Mortgage Market: Move Over Millennials, Gen Z Is Moving Into Home Ownership

The Younger Mortgage Market: Move Over Millennials, Gen Z Is Moving Into Home Ownership

April 3, 2018 |

Although the majority of the Generation Z population make $25,000 or less per year, they really have embraced the American Dream of home ownership.

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What’s Ahead For Mortgage Rates This Week – April 2nd, 2018

What’s Ahead For Mortgage Rates This Week – April 2nd, 2018

April 2, 2018 |

Last week’s economic releases included readings from Case-Shiller, pending home sales, and consumer sentiment. Weekly reports on mortgage rates and first-time jobless claims were also released.

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7 Tips To Plan A Spring Yard ‘Tune-Up’ Before Listing A Home For Sale

7 Tips To Plan A Spring Yard ‘Tune-Up’ Before Listing A Home For Sale

March 30, 2018 |

The oft-repeated maxim that there is never a second chance to make a great first impression is especially true when it comes to real estate. Street appeal may focus on a dramatic approach to the front door, but prospective buyers will be especially “wowed” by an appealing back yard.

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A Mortgage Pre-Approval Can Help You In Your Home Purchase Negotiations

A Mortgage Pre-Approval Can Help You In Your Home Purchase Negotiations

March 29, 2018 |

A mortgage pre-qualification is an initial estimate of what type of mortgage a borrower could get. It is limited, though, because it’s only based on what the borrower tells the lender, which might not be the same as what the lender finds out when it goes through a full process of analyzing the borrower and his credit.

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5 Tips For Prospective Buyers To Submit A Winning Offer

5 Tips For Prospective Buyers To Submit A Winning Offer

March 28, 2018 |

In a hot real estate market, agents often tell buyers they must expect to make multiple offers before one is accepted. Disappointment may be the new normal rather than an exception. The stress of repeated rejections isn’t easy, so be prepared.

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Over 5 Trillion Dollars In Home Equity May Lead To More Cash Out Transactions

Over 5 Trillion Dollars In Home Equity May Lead To More Cash Out Transactions

March 27, 2018 |

US homeowners now have over 5 trillion dollars in home equity which is a very large amount of money! So this year may be the year for a lot of cash out refinances and other home equity mortgage products. Most often, when you are purchasing a home, you are buying at or below the appraised value and you are making a down payment.

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The Four Best Questions To Ask Before Refinancing Your Mortgage

The Four Best Questions To Ask Before Refinancing Your Mortgage

March 20, 2018 |

When trying to decide what to do, compare the cost of refinancing with what it would cost you in additional interest to hold on to your existing loan. While the breakdown is different for every borrower, generally, you’ll need to keep your current house and loan for anywhere from three to six years to break even on the costs of refinancing.

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