What Clients & Partners Say...
David Wise
22:00 02 Apr 24
Yosef was extremely easy to work with. Fast acting, responsive at all of the key moments, and professionalism stood out during the entire process. He also got us the best rate ! 5 Stars
Maxwell Igwe
20:54 02 Apr 24
I am writing to extend my commendation for the extraordinary service provided by Yosef. Having recently completed my third transaction with him, I am continually impressed by his professionalism, dedication, and particularly his commitment to transparency.We recently purchased our second home, a milestone achievement that, admittedly, can be an overwhelming experience. However, Yosef made the process seamless for us. He painstakingly walked us through each step, ensuring we understood all potential scenarios. This level of hand-holding and guidance gave us utmost confidence and truly simplified the process for us.His most commendable trait, perhaps, is his transparency—an attribute that is increasingly rare in his industry. Yosef was frank and open from the onset, ensuring complete transparency through each stage of the process. This honesty not only made us feel more comfortable and in control, but it also helped us trust him and the process completely.To anyone considering purchasing a home or refinancing, I stand by one recommendation: Yosef is your person. His commitment to his clients, combined with his professional acumen, guarantees an effortless and satisfying experience
Maxwell I.
13:45 02 Apr 24
I am writing to extend my commendation for the extraordinary service provided by Yosef. Having recently completed my third transaction with him, I am...
Roger Lang
16:48 22 Jan 24
Yosef helped me get pre-approved for my loan when I bought my new house in Tracy. I then had Yosef help me get refinanced right away, as I am able to save about $450/month with my new rates with zero closing costs. Yosef is super easy to work with and very knowledgable. I will be using Yosef to help me with all my loan needs. 10/10 would recommend to anyone and look forward to working with him again.
Mikhael Catapang
18:25 12 Jan 24
It was great to work with Yosef! Thank you! 🙏 Hope to work with you again 😊
Didier Baquier
22:10 27 Nov 23
Worked with Yosef twice so far after one of my coworkers recommended him to me. Both times, Yosef has been incredibly helpful. He did a great job educating me on the available options. He is super responsive and patient. I would definitely reach out to Yosef again in the future and recommend him to anyone! Thanks, Yosef!
Kristin Rossi
00:03 15 Nov 23
Yosef & Team were very communicative, friendly, lightening fast in getting our loan closed on time and made our loan process seamless. Would highly recommend.
Iain Gors
23:54 06 Oct 23
We are first time homebuyers. Yosef took the time to explain everything we needed to know. We always felt like we were taken care of and in great hands. My wife and I would highly recommend Yosef.
Aro Cardenas
17:26 05 Oct 23
really quick and easy, took my calls whatever time i called, very professional and informative about the questions i had, made my home buying experience much easier for me
Kim P.
07:45 26 Sep 23
I've had the pleasure of working with Yosef on multiple transactions, and I can't say enough about his exceptional service. Yosef is not just a mortgage...
Kyle Smith
01:57 07 Sep 23
Yosef provided top notch service and I have no hesitation when giving him a 5-star review. He was quick to respond to my original request for information and quickly got us pre-approved, and provided a referral for a local agent who also provided 5-star service. Once we found a place, we were able to get our loan approved with no issues whatsoever, and he worked closely with our agent to ensure a smooth escrow and closing. Very highly recommended!
Vivian Fenn
17:55 31 Aug 23
Yosef was great to work with. He worked fast to get us pre approved to purchase our next home. He worked with our challenges and provided creative solutions.Great working with Yosef, looking forward to working with him again in the future with any other mortgage financing needs. I would highly recommend him to anybody I know, based on his professionalism, candor , and knowledge.
B KM
15:53 27 Aug 23
I'd give Yosef ten stars if I could. I would, without hesitation, highly recommend him and his team. The entire process went smoothly, closed on time and all of my questions were answered. THE BEST!!
Angela Saelor
22:56 11 Jul 23
Arkadiy Lutsuk
19:49 14 Jun 23
I worked with Yosef on the purchase of my first home (we successfully closed on time in May of 2023). He was friendly, professional, and easy to work with to understand the process. In the increasing rates environment, he helped me to get a great rate. I would recommend working with him anytime.
Marco Cellario
17:43 08 Jun 23
If you want to work with someone professional, responsive and knowledgeable, look no further. We have shopped for loans on our own in the past, but I do not believe we could have made this work without Yosef assistance this time. We closed on time, he provided assistance every step of the way and was always one step ahead making sure everything was on track for closing. Seriously, it does not get any better.
Marco C.
10:37 08 Jun 23
If you want to work with someone professional, responsive and knowledgeable, look no further. We have shopped for loans on our own in the past, but I do not...
Joey and Erin Patag
02:10 01 May 23
Yosef was great! He patiently educated and reassured us about all the concerns that we had. He was very helpful throughout the whole process and was always available. We highly recommend him!
Kolten Frapwell
01:57 14 Mar 23
Yosef works very fast, and is very knowledgeable. He's great at following up on any questions or concerns, and is always on top of things. We couldn't have asked for a better mortgage broker!
BJ Firmacion
20:40 28 Nov 22
Yosef came highly recommended by some friends and family who have been long time clients. Overall, communication with Yosef was easy and he was very timely in responding. He also made sure I was on track to close throughout the whole loan application process. I would recommend Yosef’s services to anyone.
Kelly Chan
22:32 21 Oct 22
Yosef was recommended to me by my agent at the last hour (I reached out to him on a Sunday evening and put in an offer the following Monday!). As you can imagine, as a first time buyer, it was a daunting process to me but Yosef was very quick, yet patient, and was able to get me a lower rate for the condo. He was super helpful in explaining the loan/terms, and never made me feel like I was asking "dumb questions." I trust Yosef and highly recommend him if you're looking to buy.
eulogio pereira
22:36 05 Oct 22
We received professional and helpful service on our first home purchase. Every question we had was answered in a timely manner. Yosef Shapiro was easy to talk to and made sure we understood everything that was presented to us. Highly recommend Yosef .❤️
Aakar Pradhan
18:41 25 Aug 22
Yosef was a great help for us to get our loan approved. His communication skills were great, and we were able close everything in a timely manner. He was able to find us a much lower rate than the one offered from the builders, while giving us a decent credit back. I would highly recommend his expertise if you are planning to finance or refinance your home loan.
abigail cucolo
21:41 22 Aug 22
Midori Kahlua
00:14 14 Jul 22
Very detailed, professional. Easy to work with. I truly had an excellent experience working w Yosef. Thank you!
Devin Solar
15:25 13 Jul 22
My partner and I used Yosef for our first home purchase and he provided a 5 star service. Responsive, informative and friendly. Thanks for all your help Yosef!
Nick Hein
05:00 11 Jul 22
Yosef was incredibly easy to work with. He took the time to explain things clearly, and he was quick to respond to all the questions I had throughout the process.
Scott Chow
17:40 09 Jul 22
Yosef got us the best rate on the market. He was a great communicator and we appreciate all of his hard work.
Erica Woll
17:53 30 Jun 22
As first time home-buyers my husband and I had a lot of questions and Yosef answered all of them clearly and quickly for us. He was exceptionally helpful and put our interests first. I couldn't recommend him more highly!
Colette Nickerson
22:19 21 Mar 22
We are so thankful for Yosef's professional knowledge and the service. He was the most efficient and prompt broker we have ever worked with. He was able to qualify us for a jumbo loan before our primary financial instutions could even respond.More impressive, was that we closed in under two weeks. Unbelievable! The seller wasn't even ready to leave the house yet!We couldn't recommend Yosef enough.THANK YOU Yosef! You are the BEST!
athar mikhail
01:51 16 Mar 22
I’ve loved with Yosef on 3 refinances! He has the heart of a teacher. He patiently taught me the ins and outs of the Mortgage world and Is super quick to answer my questions! I have become much more comfortable in the space because of him. Thank you!
Tina Rms
06:02 05 Mar 22
People of word, Thank you very much for making the whole process smooth and possible!
Matt Cooke
02:05 23 Feb 22
Without doubt the most responsive, most efficient, most effective broker I have worked with -- in any category. I can't speak highly enough of my experiences with Yosef. Highly recommend.
Brandon Hankins
19:45 22 Feb 22
Patricio Triveri
03:59 20 Feb 22
Jehoshua was able to get me a great rate without having to jump through hoops for the lender.
Jeremy Kshevatzky
19:04 19 Feb 22
I’ve closed numerous loans with Yosef and all my purchases and refinances have gone very smoothly. Always been a quick close and best rates shopping around. He’s allowed me to beat other offers even when I wasn’t the highest. I highly suggest using him for all your mortgage loan needs
jessica driessler
23:13 18 Feb 22
Extremely knowledgeable and patient! We worked with him on two occasions. I had an excellent experience and highly recommend Yosef to anyone seeking a true professional.
victor villacorta
20:23 18 Feb 22
Yosef made the refi process very smooth and painless. Once we submitted all the necessary documents Yosef took care of the rest. He got us a good rate and answered all our questions to our satisfaction. Highly recommend him. Thanks Yosef
Sabrina Edwards
17:15 15 Feb 22
Yosef is the Man!!! So helpful, generous with his time, resources and extremely knowledgeable. Yosef looks for the best fit for your financial needs. Yosef operates with the highest level of integrity. I highly recommend you elect Yosef for all your Broker needs.
Sandi Idencio
00:33 14 Feb 22
Yosef has been exceptionally helpful and easy to work with. I have worked with Yosef twice with my refinancing needs. 1st with Cash out and lower interest and 2nd with lowering my interest rate even lower. Very knowledgeable and Definitely is recommended.
Jessica Nakashima
20:28 13 Feb 22
10/10 highly recommend!! Yosef has handled two of my mortgages and he is not only patient, taking the time to answer all my questions, but he is also very responsive and gets things done quickly. I've had a great experience working with Yosef; I found him through a friend's referral, and I would recommend him to anyone as well
Robert
02:58 12 Feb 22
Thanks for your great work and assistance!!
Matt Kroll
16:32 11 Feb 22
fuad Obeid
21:47 09 Feb 22
Youssef is a very helpful person, thank you very much for your help
Sergio prada
21:20 08 Feb 22
A friend referred me to Yosef and I could not be happier for having him as an advisor. From the first call Yosef was knowledgeable, honest and transparent. He did two very different transactions for me and I could always reach him with questions. explains and guides you through the possible options and scenarios. He is easy to communicate with and responds immediately to any questions or concerns. Yosef saved me time and money on a refinance and a purchase. Thank you Yosef!
Nicolas Vighi
19:45 08 Feb 22
Yosef is maybe the best kept secret in mortgages. I have worked with a number of different brokers over the years and nobody can beat his rates nor his level of service. Thanks, Yosef!
Calvin Jhunjhnuwala
18:54 08 Feb 22
Yosef was an amazing broker to work with. He was very patient and readily available to answer any of our questions in order to help us get the paperwork across the finish line.
Sean Spillner
17:04 08 Feb 22
Yosef is the best! He has helped my wife and I refinance twice and both times he made the process so easy for us. He would always answer my questions about the process completely and promptly. I’ve referred my friends/family/co-workers to him and they have all been pleased with Yosef’s work, speed, friendliness and knowledge.
Jon Ford
20:42 07 Feb 22
Vikram Manchala
17:52 07 Feb 22
Lynn Fehrman
16:23 04 Feb 22
Yosef is one of the most efficient mortgage brokers we have ever worked with. The process is always very smooth and completed in a timely manner. We have referred him to many of our friends and clients and always have had great feedback from them as well.
Anil Tambwekar
18:16 30 Jan 22
Yosef has been an amazing resource for my husband and I. When we first looked into buying a house, he helped us figure out our budget and get everything in line financially so we were ready and confident to start putting in offers. His top service continued as we made our way through making offers and then the escrow and closing process as we finally bought our first home. Since then he’s advised and guided us through a few advantageous refinances and gotten us better and better terms for our loan, even in a case where we’d had financial setbacks. He’s upfront, realistic, smart, friendly, prompt, and thorough. I really enjoy working with him, I definitely plan to keep working with him, and I highly recommend him for any mortgage needs.
Jesus Sandoval
17:52 30 Jan 22
Yosef was awesome, kept me updated every step of the way and was able to get me a great refi rate!
Peter Van Auken
18:19 28 Jan 22
Yosef was very professional, helpful, and attentive. I had a great experience working with him.
Vanessa Serrano
18:18 28 Jan 22
Yosef was recommended to me by a family member, she was very pleased with him and she was right. Very nice person and had patience when it came to my refinance loan, concerns, and options. He will always answer my questions and it was very easy working with him. I will definitely recommend him to friends and family. I will definitely contact him for any services i need in the future. Thanks Yosef!!
james page
01:18 28 Jan 22
I have used Yosef over the past few years and he is excellent to do business with very prompt and professional. I rate him highly
priyapandyaorozco
22:47 25 Jan 22
Yosef has been phenomenal through the years. I’m so grateful to have had such an amazing experience he’s made getting a loan less intimidating. I can’t even begin to explain how much he’s been there day or night throughout this Pandemic when I experienced any issues even after the loan has closed! Thank you so much Yosef!!!
Javier Magana
23:05 20 Jan 22
angela placencia
16:38 20 Jan 22
I have refinanced several times with Yosef and he is excellent... Great at addressing all my concerns and fast and efficicient. I highly recommend him.
Jeff Keena
18:11 17 Jan 22
Yosef is quick, competitive and experienced. This attention to detail and excellent customer service is greatly appreciated.
Trevor Watson
18:06 13 Jan 22
Very professional, very easy to work with and helps out big time explaining things to new home buyers. Highly recommend!!
Gabriel Catapang
04:00 12 Jan 22
Yosef has facilitated more than 20 mortgages for me and my family. Whether it be for a primary home mortgage, rental investment mortgage, or mortgage refinances, Yosef will get it done on time and at a competitive rate and closing cost. He will assist you in thinking through the best loan product and terms for your situation, and will put your interests first.He is always accessible and prompt in responding. And is flexible with working styles of his clients. My technology impaired parents love how he is open to communicating via text messages and photo messages for their document submissions.
Ysabel Catapang
16:47 11 Jan 22
Yosef is great to work with and made the entire refinancing process easy. He is very professional, timely and I never had to worry about him finding me the best rates. He was so good that I have referred my friends and family to him.
Dan Taylor
14:06 10 Jan 22
I've worked with Yosef for quite a number of years to mortgage and then refi my home. He is awesome to work with. He's quick to provide answers to your questions, and process the many documents needed to complete a mortgage application. I recommend him to everyone.
Ruthie Idencio
19:12 07 Jan 22
Pia
23:11 06 Jan 22
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!
Olga Sha
16:52 04 Jan 22
I had absolutely smooth experience and would highly recommend to anyone to go with Yosef when you buy or refinance your house.
Diego C.
14:51 08 Jul 21
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...
JM H.
19:17 17 Jun 21
Josef was fast to respond, and got to work immediately to help us get approval. He explained everything clearly and without condescension. I would highly...
Courtney K.
15:16 01 Apr 21
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...
Kevin Santia
14:23 13 Mar 20
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.
David Edwards
07:03 01 Feb 20
My family has had the pleasure of dealing with Yosef a number of times helping us with our refinances. He always looks out for us and he always takes care of all our mortgage needs. We will deal with no one else!
Christy Page
01:47 30 Jan 20
I have used Yosef the last 2 times I have refinanced my home. I have been very satisfied with his services and would highly recommend him.
Lisa Hughes
22:42 29 Jan 20
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.
Jin Joseph Yu
19:54 29 Jan 20
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.
Ry Guy
19:41 29 Jan 20
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!!!
C. P.
22:30 10 Jun 19
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!
Justin Teel
21:24 02 Jun 19
Yosef was fantastic. He answered all of our questions, showed us all the different options we had and did not try to push us towards something we didn't want. The whole process was smooth and fast. Highly recommended!!!
Celise Magana
02:46 21 May 19
Yosef was amazing to work with. He got back to our questions quickly and made sure we understood things. Never did we have to follow up for an update he always kept us in the loop and always made time for us.
tushambi Evans
17:58 17 May 19
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.
Robert Arshonsky
17:09 12 Jun 18
Yosef was amazing to work with! We were first time home buyers and Yosef was happy to walk us through the process and compare which type of loan and PMI strategy was best for us financially. He is personable and direct when it came to numbers. I would highly recommend him to anyone and we will definitely work with him again in the future!
Kevin Noga
03:37 03 Nov 17
Yosef was very professional and handled our refi timely and efficient. This was the easiest, fastest, and best refi/mortgage experience I’ve ever experienced. I will recommend Yosef to all friends and family.
Nick Beard
22:41 02 May 17
Yosef always has his clients best interest in mind and works tirelessly to get loans closed as quick as possible. I am consistently impressed with him and the whole team at eMortgages. I would trust him with my personal mortgage and recommend to anyone looking to buy or refinance a home.
Tommy Noonan
02:16 11 Jan 17
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 will definitely be sending all my future real estate mortgage business to him and his team and hope you do as well!
Mike Heimowitz
22:11 10 Jan 17
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.
Jenelle Hoffman
22:01 19 Jun 15
I've had an awesome experience working with Yosef on my home purchase! Yosef was the most responsive, patient, hardworking, and knowledgeable lender, making the entire process fantastic and straightforward. As a first-time home buyer, I had many questions and he was really great at answering all of them.Also, a huge plus....he always returns my phone calls and emails quickly even after typical business hours! This is very important as I can't always answer my phone during the day. He has some of the lowest rates out there that will save me thousands over the life of the loan, and he continually provides excellent advice. He even provided me with a comparative loan analysis to make sure I was getting the right loan for my needs, something I thought was very helpful.The entire process has been so smooth and I couldn't have done it without Yosef and his team at eMortgages! Thank you for having my back the entire way and making sure the whole process was stress-free!
