8/25/2026 I have been speaking to Yosef for a few weeks now to discuss the possibility of purchasing a home prior to November as the market is softening up and prices are dipping slightly and inventory has increased providing an opportunity to find that perfect view home. We have worked with Yosef on previous real estate transactions anas there is virtually no other broker that is so down to earth, knowledgeable and transparent in handling a real estate financing investment. Yosef brings years of experience and it runs in his family. I so appreciate Yosef's honest and straightforward approach to making dreams come true. Yosef knows the ins and outs and has worked with many agents that we have utilized during our previous real estate ventures. Anyone looking for a truly honest, knowledgeable, trustworthy, transparent and skilled professional in the field of Real Estate financing don't miss out as I highly recommend you contact Yosef. Previous Review I just can't say enough about the knowledge, expertise, service, and, of course, competitive rate options that Yosef offers. I have purchased several homes with the assistance of Yosef Shapiro at emortgages in Petaluma, California, and he always offers the best rates, service, and most efficient service. Yosef is also committed to successfully closing the loan that he is always available via phone and email with response times that are astonishing, even on holidays. Yosef also has 2-1 buy down programs and other very attractive rate options. I have completed real estate purchases and refinancing with Yosef and at times checked with others in the industry just to see what they can offer and Yosef at emortgages beats the competition by far and with lower loan costs and faster closing times. If you are in the market for a purchase, refinance, reverse mortgage, etc. Yosef is your go-to professional. Top shelf service and experience! Highly recommended read more

I highly recommend Yosef for all your mortgage needs. Yosef has been a great help with helping me secure a loan on my home in Marin. Six months later he helped us refinance and save $400/month. And now he helped us take out a second for some renovations. He is extremely responsive and knowledgeable. read more

Yosef did an excellent job with our recent refinance and closed the deal expediently with clear and prompt communication. I would highly recommend him! read more

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. read more

Unmatched customer service. Would not use anyone else now that I've found Yosef! Finally someone who knows how to make you feel valued.

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. read more

Yosef has your back, he is the best loan officer I have ever had. He is honest and reliable.. He will research everything to make sure you have the lowest rate.. You can call him everyday and he will always be there for you, and your realtor. Thank You Yosef.. we will call you again***** Trisha read more

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 that we had started the process with, so when we contacted him (based on a referral) we were a little nervous about how it would go. He immediately cured us of all our worries through his honesty, his engagement, his communication, his attention to detail, his overall competency and knowledge, his speed, and his courteous and patient approach. Most importantly is the bottom line. He helped us save money (lots) and reach our financial goals! Within two weeks of contacting him, we were able to close a full point lower than our other lender had promised, with lower closing costs ( and well within the time that he had specified). I highly, highly recommend working with Yosef if you are in need of a Mortgage Advisor. 100% positives. read more

HIGHLY recommend Yosef to be your next Mortgage Advisor! He has helped my husband and I refinance our investment property and have worked with him twice! He goes ABOVE AND BEYOND to provide the BEST client experience. He's trustworthy, responsive, a mortgage advisor expert, and has closed within 30 days or less! Don't look any further, contact him for any or your mortgage lending needs ASAP! read more

Yosef was a great resource, always prompt to respond to questions and followed up without being annoying! He is a great choice for your mortgage needs! read more

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 Yosef based on his own experience & we knew immediately it was the right move. He got us a full spread sheet with cost breakdowns within a day, answered every single question we had with ease, and is extremely responsive. Our realtor really wanted us to use her guy so we compared and Yosef was able to beat their rates every time, without points. Beyond rates though, Yosef responsiveness, along with him cool & calm demeanor just made us feel good about working with him. He doesn't pressure at all, is completely honest, and will always recommend doing what's best for you. My realtor was even impressed at quickly Yosef worked, allowing for a 21 day closing! We've since sold our house to move out of the country for a period of time, but wouldn't even consider anyone else when we buy a home in CA again. You can't go wrong using Yosef for your mortgage. read more

I saw his videos on Facebook, gave me feeling he knew what he is doing, I tried to send him a message on Facebook he surprised me that he responded very quickly he was more than welcome to answer my questions, I spoke to him over the phone after than he was so nice and helpful, he even told me even if you don't wanna continue with me I will be more than happy to keep answering your questions if you have any, I think he's a helpful loan advisor especially for first time buyers ,he knew what he's doing Update: I started the loan application with Yosef to get me the pre-approved started looking for a house till I find what I want, I didn't believe how smooth and easy was the loan processing with Yosef, it take me one visit to his office the visit time was about 20 min and about 4 phone calls and 4 emails between us than boom I had my loan approved closed and I have my new dream house Key in my hand , big big thanks for you Yosef for not stressing me out with the process read more

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!!! read more

I'm very happy we chose Yosef to broker our mortgage. He got us a great rate on our Jumbo loan, provided tailored advice (especially important with the volatile market conditions in early 2022), and enabled a swift closing process. He was professional and upfront - answering all our questions, and reachable the same day by phone or email. He took his time to explain specifics. Transferring documents was easy through the e-portal. I really appreciate he was patient in walking us through the first time home buying process, even despite our house searching taking many months. read more

ABSOLUTELY FAST & EASY!! He is The Best!! Yosef has assisted me twice already with refinancing my home. The first time to remove myself from an adjustable rate to a fixed rate loan and the second time to lower my APR even MORE! I love and whole heartedly appreciate how he was on top of the entire process during both occasions. He literally held my hand throughout. I, like many people am very busy with 3 growing kids and a husband that works hard at work to bring home the bacon and I'm not sure if it's a good thing but my husband is the type that relies on me entirely to handle all the more difficult and time consuming legalities needed to run a family and home. This is hard since I also have a full time job + come home to continue working with daily chores at home. All my husband asks is "where do I sign". That can be stressing since it takes lots of Time and Energy to submit and process all the paperwork let alone find a good lender. Yosef literally kept me posted throughout the entire process during MY availability times which was SO comforting for me that I am so grateful to Him for that. I have been completely satisfied. I absolutely recommend Yosef 1000%. Be advised that I am always quick at the gun to report BAD Customer Service and not the type of person that would normally make recommendations unless I've been WOW'd. Personally coming from 35yrs + experience in the Customer Service field, I believe that everyone deserves courteous and professional Customer Service, always. That is Yosef. I still find myself bugging him now and then with general questions and he's so polite to help me out. I also know that I can count on him to reach out to me when He comes across a new offer that I may benefit from. He's top notch. signed, A VERY SATISFIED CUSTOMER!! read more

Yosef Shapiro is absolutely hands down the mortgage advisor we have met and worked with ! He was recommended by a bunch of our neighbors who used him to refinance their home, and I see why. He went above and beyond to make sure everything went smooth. Very hands on. Multiple hurdles in the way but he used his expertise to guide us through alternatives . Thank you Yosef ! read more

Yosef is amazing, I definitely recommend him. He is super reliable and gets back to you quickly. Love his professionalism and he is always very kind. Thank you Yosef for helping us on our journey. read more

Yosef at eMortgages was referred to me by a friend of mine and I couldn't be happier with the loan and the experience altogether. I got rate and closing cost quotes from Yosef and other mortgage lenders and Yosef had the best numbers. I also closed in under 21 days which made my offer the strongest and ultimately got my offer accepted and into the house I wanted! Do your own homework and I'm sure you'll find that going with Yosef is the best option. read more

Yosef is a blessing to my family!!! We thought we won't be qualified for a home loan due to our low credit scores but he made it possible!!! There were times that I was losing hope but he was honest that it wasn't going to be as easy like any applicants that he handled but he was so patient & guided us throughout the process. We our finally in our house that we call home & it's because of Yosef and special mention also to Christy Navarro, my realtor... Thank you so very much. It didn't end here!! Yosef gave me a call and reminded me of my other property that needed refinancing asap. It didn't have the best loan term with the previous but of course with Yosef help it now have a fixed conventional loan term. I highly recommended Yosef! He is very knowledgeable ,very professional , the best mortgage broker I ever worked with....Need I say more about this guy??? He's the best at what he does read more

When my wife and I decided we would buy a new house, the easiest decision and process was going with Yosef. He helped me out about a year ago to refinance my house; which was a very easy process. So when it was time to buy a new house, I thought Yosef would be a good fit. He proved himself all over again! Great communication, follow through, and price/rates! I just can't believe how easy he makes the process. My realtor was hesitant with going with a lender he didn't know, but Yosef gained his confidence quickly. My realtor, "Yosef is very easy to work with." I highly recommend him and will without a doubt recommend him to my friends and family (which I already have). Thanks Yosef! read more

We had found the house and thanks to Yousef we closed ahead of time and with the best rate!!! In this competitive market you really want someone that is on top of their game and that is who Yousef is!!!! Thank you for helping us become home owners!!!!!! read more

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 recommend him and will use his services again. read more

I have worked with 3 different mortgage brokers now between the purchase and refinances of my home and I would recommend Yosef without hesitation. Hands down the best broker I have worked with with access to the best rates and most importantly completely trustworthy and honest. He helped navigate a refinance during market volatility this year and the experience was seamless working with him. Thanks so much Yosef! read more

ABSOLUTELY FAST & EASY!! He is The Best!! Yosef has assisted me twice already with refinancing my home. The first time to remove myself from an adjustable rate to a fixed rate loan and the second time to lower my APR even MORE! I love and whole heartedly appreciate how he was on top of the entire process during both occasions. He literally held my hand throughout. I, like many people am very busy with 3 growing kids and a husband that works hard at work to bring home the bacon and I'm not sure if it's a good thing but my husband is the type that relies on me entirely to handle all the more difficult and time consuming legalities needed to run a family and home. This is hard since I also have a full time job + come home to continue working with daily chores at home. All my husband asks is "where do I sign". That can be stressing since it takes lots of Time and Energy to submit and process all the paperwork let alone find a good lender. Yosef literally kept me posted throughout the entire process during MY availability times which was SO comforting for me that I am so grateful for that. I have been completely satisfied. I absolutely recommend Yosef 1000%. Be advised that I am always quick at the gun to report BAD Customer Service and not the type of person that would normally make recommendations unless I've been WOW'd. Personally coming from 35yrs + experience in the Customer Service field, I believe that everyone deserves courteous and professional Customer Service, always. That is Yosef. I still find myself bugging him now and then with general questions and he's so polite to help me out. I also know that I can count on him to reach out to me when He comes across a new offer that I may benefit from. He's top notch. signed, A VERY SATISFIED CUSTOMER!! read more

Yosef helped me refinance my property very efficiently. He's very knowledgeable and made the whole mortgage process very smooth and easy. Definitely felt like he wasn't just trying to sell me something, but took the time and effort to find the best loan options for my situation. I've been referring him to any friends and family with mortgage needs and will definitely continue to do so. read more

Yosef Shapiro is the man! A true professional. I have had the pleasure of working with him and can say if you deal with him, you are truly in good hands. If your looking to buy or refinance a home, this is your guy. read more

Yosef is awesome! I was a first time home buyer and had no clue where to start. Yosef taught me everything I needed to know and made it super easy to understand. He was always available to answer any questions I had and would take the time to explain over and over if I needed it. When the wife and I first started looking at homes we did not think we were even close to being able to buy a place, but Yosef looked at all of our financials, with the understanding that I did not want to live for a mortgage payment, and he surprised us with what we can actually afford. So, we started looking and before we knew it we were home owners with a very comfortable mortgage. I would highly recommend Yosef especially if you're a first time home buyer and don't know anything about buying a home. read more

I worked with Yosef on my mortgage refinance. Yosef is extremely knowledgeable and easy to work with. He advised me on my options and took care of everything. The entire process was incredible smooth and he was available whenever I had questions. HIGHLY RECOMMEND Emortgages.com and Yosef! read more

Yosef is great! I was referred to him by a friend and he helped me out with a loan immediately that day. Very responsive to all of my questions and overall a great guy to work with. Highly recommended! read more

Superior service! We refinanced our adjustable rate loan to a 15 year fixed. Yosef found us a lender with the lowest rate on the market (trust me, we looked). He exceeded all our expectations from response time to answer questions, resolve un-expected issues, and loan closing steps (closed in 30 days). Additionally, he brought in Beth Curiel with Old Republic Title to manage the escrow process. Her professionalism, timeliness, and flexibility made the process seamless and stress free. Thank you Yosef and Beth for giving us a brighter future! read more

Could not have asked for a better experience! Working with Yosef was so easy and the purchase of our home could not have gone any smoother. We originally did a 30 day escrow and we were able to close in 25 days thanks to Yosef's hard work, he is definitely the best mortgage broker in the Petaluma and Santa Rosa area! I 100% recommend Yosef!! read more

Yosef is awesome! He is very knowledgeable about the market, easy to talk to, and knows just what to ask to zero-in on what's right for you. I recommend him wholeheartedly! read more

Yosef Shapiro is a very professional home loan specialist. My wife and I were very pleased with the loan he secured for us. He is intelligent knowledgeable and very helpful in walking you through the loan process. We recommend him highly! 5 stars! read more

I had a great experience refinancing with Yosef! He listened to the goal I was trying to achieve and didn't try to push me in other directions. He advised on various aspects of the process and the loans and how they would affect me. Very knowledgeable, patient, responsive, and great to work with. I recommend him to anyone and everyone looking for a loan to purchase or refi. read more

Yosef is always eager to help his borrowers by offering a wide range of options and the best rate and payment to suit his borrowers needs. He always strives to close quickly and is extremely responsive. I would recommend him to anyone seeking a mortgage. You will get the respect, reliability and service you deserve. read more

Yosef is excellent at what he does. Being potential first-time home buyers, the process can be a bit scary at first. Yosef did a great job at walking us through each and every step, getting into as much or as little detail as we wanted. Yosef is very thorough, extremely responsive, and easy to talk to. Would definitely recommend to anyone looking to purchase a home in the North Bay! read more

Yosef was really great. My husband and I were first time buyers and Yosef was super helpful and low pressure. We contacted three brokers and the other two were pushing us to buy right away while Yosef broke down the figures for us and helped us realize we'd do a lot better if we saved a little while longer. About six months later we'd saved enough and we're able to get a much better loan with his help! Definitely recommended! read more

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! read more

Great service, my first time buying a home was made very simple and easy by Yosef. He was on the phone with us at MIDNIGHT to help us with the counter offer we received at 9pm. I have send Yosef multiple referrals since because he was so great! read more

Yosef goes the extra mile to get your loan done right. He is honest, detailed and always returns calls and emails. His supporting office is excellent too. I highly recommend his services. If I need another loan in the future he will be the first one I call. I went through approximately 15 mortgage brokers until I found the one who could get me refinanced at a great rate. Documentation was all done on-line thru DocuSign and very easy. Call Yosef...you'll see why I took the time to write this review. You will be writing one soon too. read more