Explore first-time homebuyer loans in Orange County and all California. Compare down payments, closing costs, assistance, and next steps with Yosef Shapiro.
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
Explore first-time homebuyer loans in Orange County and all California. Compare down payments, closing costs, assistance, and next steps with Yosef Shapiro.
First-Time Homebuyers
Buying your first home can bring a lot of questions. I’ll help you understand your loan options, estimated payment, and cash needed to close so you know what to do next.
Buying in Orange County or elsewhere in California? I’ll guide you through your first purchase by phone and online, with the same personal attention wherever you’re located.
You don’t need everything figured out. Start here, and I’ll help with the rest. Select what you have in place; this checklist helps you prepare and does not determine loan eligibility.
/ 6
Plan for your down payment, closing costs, and money left over after closing. The example below uses a $850,000 purchase price.
Example figures are illustrative and for education — your numbers depend on price, program, county, and negotiation.
Your search moves at your pace. I’ll guide you through the financing steps and explain what needs to happen before closing.
Here’s a starting point. I’ll help you compare the payment and costs for programs that fit your situation.
Program requirements, loan limits, mortgage insurance, and availability vary. This comparison is educational and is not a preapproval.
Clear answers to common questions. If yours isn’t here, ask me directly.
Have a question or want to compare your options? Schedule a call or send me a message.
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.
Loans may be arranged through third-party lenders and are subject to your full application, underwriting, and eligibility.
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