Yosef Shapiro, Mortgage Broker at Electronic Mortgages Inc
Yosef Shapiro, Mortgage Broker
Electronic Mortgages Inc
Phone: (707) 280-9627
Email: [email protected]
NMLS# 896711
Company NMLS# 275208
Licensed in: CA
This is not a commitment to lend, not a guarantee of approval, and not an offer to extend credit. Any rates, payments, costs, or timelines are estimates for educational purposes only and can change. Your actual rate, payment, and fees depend on credit, income, assets, property, down payment, and the loan you qualify for. Estimates may not include taxes, insurance, prepaid items, or other fees. I am not a tax, legal, or financial advisor. Equal Housing Opportunity. NMLS ID 896711. Licensed in California
Electronic Mortgages Inc
Your choices for mortgage-related texts, email, automated calls, AI voice conversations, and recording.
Last updated: October 9, 2026
1. Our communications program
2. Optional consent and your choices
3. SMS/MMS terms
4. Revoking permission and stopping marketing
5. Automated and AI voice calls
6. Recording and transcription
7. Privacy and sensitive information
8. Updates and contact
Electronic Mortgages Inc, Company NMLS #275208 and California DRE #01316639, communicates through Yosef Shapiro, individual NMLS #896711 and California DRE Broker #01711569. Messages may concern an inquiry, appointments, document review, application or transaction updates, mortgage education, rate updates, and separately authorized offers. We may use email, live telephone calls, SMS/MMS, and, where permitted and properly consented, automated calls or artificial, prerecorded, or AI-generated voice calls.
Our vendors support delivery on our behalf. Permission for Electronic Mortgages does not authorize unrelated businesses to contact you for their own marketing.
Providing a phone number, using this website, or accepting its terms does not alone give permission for automated marketing calls or texts. Where required, you give consent through a clearly displayed, affirmative opt-in that identifies Electronic Mortgages and the number to be contacted. Our inquiry forms combine website-terms agreement and Privacy Policy acknowledgment with permission for personal phone calls, emails, and texts limited to your specific inquiry or loan. That acknowledgment does not authorize marketing texts or automated, prerecorded, or AI-generated marketing calls. You may contact Yosef directly by phone or email instead of using the form. Any marketing phone permission required by law is obtained separately and remains optional.
Marketing permission is optional and is not a condition of purchasing goods or services, receiving a response, applying for a loan, or obtaining credit. You may choose email or a live conversation instead. Service-related messages follow the applicable permission and legal requirements; a service request is not blanket consent for every campaign.
Frequency: varies based on your requests, transaction, and selected program; there is no guaranteed fixed number.
Cost: message and data rates may apply under your carrier plan.
Opt-out: reply STOP or use another reasonable method described below. A nonmarketing confirmation may be sent where permitted.
Help: reply HELP, email [email protected] , or call (707) 280-9627 .
Delivery: messages may be delayed, filtered, or unavailable. Carriers are not liable for delayed or undelivered messages. Do not rely on a text for a rate lock, closing deadline, or emergency.
Your number: provide a number you are authorized to use and tell us if it changes or is reassigned. Do not enroll someone else without appropriate authority.
Mobile numbers and SMS opt-in and consent records are not sold or shared with third parties or affiliates for their independent marketing or promotional purposes. Messaging vendors may process them to deliver our program, manage preferences, or meet legal obligations.
You may revoke call or text consent by replying STOP to a text, telling us during a call, emailing [email protected] , calling (707) 280-9627 , or another reasonable method. You are not limited to a single keyword or channel. Identify the phone number and the communications you want stopped so we can apply the request correctly. We process revocations within the period required by applicable law and maintain suppression records as needed.
Marketing emails contain an unsubscribe option; you may also email us. Stopping marketing does not cancel a loan application or authorize us to ignore required notices. If you stop texts or automated calls, we can discuss another lawful channel for your requested transaction. A new opt-in is required before restarting communications that need renewed consent.
Where used, automated voice technology may include an automatic telephone dialing system or an artificial, prerecorded, or AI-generated voice. Marketing calls using these technologies are made only with the permission required by law. An AI voice assistant should identify itself as automated, identify Electronic Mortgages, and provide a way to ask for human help or stop further calls. Required automated opt-out methods must be available when applicable.
An AI assistant may misunderstand or provide incorrect information. It cannot guarantee approval, change written loan terms, or confirm a rate lock merely through an automated statement. Ask Yosef to verify important information before acting.
We may introduce call recording or transcription for service, quality, recordkeeping, and administrative purposes. Before a confidential call is recorded or transcribed, we provide a separate notice and obtain the consent required by the laws that apply to the call. This website policy or a marketing opt-in is not a substitute for that notice and consent.
If you do not want recording or transcription, tell us before it begins or ask for an alternative channel. Recordings and transcripts, if created lawfully, are handled under our Privacy Policy and applicable financial privacy requirements.
Email and text are not appropriate for sending Social Security numbers, passwords, full account numbers, or unredacted financial documents. Use the designated application or document-upload channel and verify unexpected requests directly with Yosef. We do not ask you to authorize a wire transfer solely on the basis of a text or AI conversation.
See our Privacy Policy for collection, sharing, advertising, AI processing, retention, and privacy choices, and our Terms of Service for website and tool terms.
Program terms may change prospectively with any legally required notice or new consent. Changes do not automatically expand existing permission.
Electronic Mortgages Inc 1643 Via Tulipan, San Clemente, CA 92673 [email protected] (707) 280-9627
Yosef Shapiro, mortgage broker in San Clemente, serving Orange County and all of California.
1643 Via Tulipan San Clemente, CA 92673
(707) 280-9627 [email protected]
Mon–Fri: 8 AM–6 PM · Sat: 9 AM–1 PM Pacific Time
Electronic Mortgages Inc · Company NMLS #275208 · California DRE #01316639
Yosef Shapiro · Individual NMLS #896711 · California DRE Broker #01711569
Real Estate Broker, California Department of Real Estate. · Equal Housing Opportunity.
This website is for educational purposes only and is not a commitment to lend, a guarantee of approval, an offer to extend credit, or a rate lock. Loans may be arranged through third-party lenders and are subject to a full application, credit approval, underwriting, eligibility, and other restrictions. Rates, programs, terms, fees, payment figures, and timelines are estimates and may change without notice. Actual terms depend on credit, income, assets, property, down payment, and the loan program. Estimates may not include taxes, insurance, prepaid items, or other fees. Website information is not individualized tax, legal, or financial advice.
© Electronic Mortgages Inc