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
Terms for using our website, mortgage calculators, document-review tools, and related online services.
Last updated: October 9, 2026
1. Scope and agreement
2. Eligibility and your responsibilities
3. Mortgage information is not a loan commitment
4. Calculators, Loan Estimate analysis, and AI output
5. Communications and separate permissions
6. Submitted documents and intellectual property
7. External services and reviews
8. Availability and website warranties
9. Limits on website liability
10. Responsibility for unlawful misuse
11. California law, disputes, and remaining terms
12. Changes and contact
These Terms of Service govern use of this website and its educational tools, provided by Electronic Mortgages Inc (“Electronic Mortgages,” “we,” “us,” or “our”), Company NMLS #275208, California DRE #01316639, through Yosef Shapiro, individual NMLS #896711, California DRE Broker #01711569. By using the site after having an opportunity to review these terms, you agree to the terms to the extent enforceable under applicable law. Our inquiry forms separately ask for your agreement before submission. If you do not agree, discontinue use and contact us by telephone for assistance.
These website terms do not replace a broker agreement, loan application, lender disclosure, financial privacy notice, or other transaction-specific document. An applicable transaction-specific agreement controls any conflict concerning that transaction. Our Privacy Policy describes information handling, and our Communications Policy describes calls, texts, email, and consent.
Our mortgage services are intended for adults age 18 or older who can enter a contract. Use the site lawfully and provide accurate information. Only submit documents or information that you own or are authorized to share, including information about co-borrowers. You are responsible for reviewing submissions and telling us about material errors or changes.
Do not impersonate another person, submit false consent, upload malware, interfere with security or availability, bypass access controls, scrape personal information, or misuse our tools or content. We may restrict access reasonably necessary to address misuse or protect users and systems.
Website content, a quote request, a preliminary conversation, a calculator result, or a document comparison does not guarantee approval, available funds, savings, or a particular rate or closing date. Mortgage loans may be arranged through third-party lenders and remain subject to underwriting, verification, property review, program eligibility, and applicable disclosures.
Rates, fees, products, assistance programs, and incentives change. Examples are illustrative and may not apply to your situation. A rate is not locked merely because it appears on this site, is discussed, or is included in an automated response; any lock requires a separate confirmation through the applicable lender process. Written loan disclosures and agreements govern actual loan terms.
Providing general contact information is not itself authorization to obtain a credit report. A credit review requires an appropriate permissible process and applicable authorizations. An application or information submitted through another channel may be subject to separate requirements.
Calculators and comparisons rely on assumptions and information supplied. Taxes, insurance, mortgage insurance, HOA charges, lender fees, escrow adjustments, credits, prepaid items, and other costs may differ or be omitted. An estimated payment, cash-to-close figure, or possible savings is not a binding quote.
The Loan Estimate Analyzer and other tools may use automated or AI-assisted document processing. They may misread a document, miss conditions, or generate inaccurate, incomplete, or outdated output. Results are for education and discussion with a qualified mortgage professional, not a substitute for reviewing your lender’s documents. An automated tool does not issue a final underwriting decision or rate lock.
Before uploading a document, remove unnecessary Social Security numbers, account numbers, identity documents, and information about other people that is not needed for the requested review. Use the designated secure channel. If you prefer another way to request a review, contact Yosef.
Content is general mortgage education, not individualized legal, tax, investment, or accounting advice. Consult the appropriate professional for those matters.
A request permits us to respond through an appropriate channel, subject to applicable law and your choices. Marketing texts, automated marketing calls, and artificial, prerecorded, or AI-generated marketing voice calls require the separately obtained permission required by law. Website use or acceptance of these terms does not by itself provide that permission. Consent is not a condition of purchasing services or obtaining credit.
Any SMS program is subject to our Communications Policy : frequency varies, message and data rates may apply, and STOP or another reasonable request can revoke consent. Email marketing has an unsubscribe option. If a confidential call will be recorded or transcribed, we provide a separate notice and obtain required consent before doing so.
An electronic form acceptance may evidence agreement to these website terms or a specifically displayed communications consent. It is not a blanket E-SIGN consent to receive every legally required loan disclosure electronically. Any required electronic-delivery consent is handled separately.
You retain rights in information and documents you submit. You authorize us and service providers acting for us to access, process, and use those submissions only as reasonably necessary for the service you request, related permitted communications, security, recordkeeping, and other purposes disclosed in our Privacy Policy. Uploading a document does not grant a right to publish it or use it for unrelated public content.
Site content, design, logos, and software belong to us or their respective owners or licensors. You may view content and keep reasonable copies for your personal mortgage research. You may not commercially reproduce, redistribute, exploit, or falsely attribute protected content without permission, except as allowed by law. Third-party trademarks remain their owners’ property.
Application portals, scheduling services, lender systems, review websites, and other external services have separate terms and privacy notices. We do not control their availability, security, or all content. Review their terms before using them.
Reviews describe individual experiences. Displayed excerpts or selected reviews are not a guarantee of results or a representation that every client has the same experience. Rates, savings, approvals, and timing depend on the borrower and transaction.
To the extent permitted by law, this website and its educational tools are provided “as is” and “as available.” We do not promise uninterrupted access, error-free calculations, immediate responses, or that every displayed item is current. Technology failures, carrier delays, third-party interruptions, and security incidents can affect service.
To the extent legally permitted, we disclaim implied warranties concerning the website’s merchantability, fitness for a particular purpose, and noninfringement. This provision does not cancel an express written transaction commitment or any protection that cannot lawfully be disclaimed.
To the fullest extent permitted by law, Electronic Mortgages and its personnel are not liable for indirect, incidental, special, consequential, or punitive losses resulting from use of, or inability to use, this website or reliance on preliminary automated output, including lost profits or opportunities. You should verify material figures and obtain appropriate professional review before acting.
These limits apply only where lawful. They do not exclude liability for fraud, willful misconduct, gross negligence, or another matter that cannot lawfully be limited, and do not waive consumer protections, fair-lending duties, privacy rights, or remedies under applicable law. Separate loan or brokerage agreements and applicable law govern the underlying transaction.
To the extent permitted by law, you are responsible for losses and reasonable expenses we incur from a third-party claim directly caused by your knowing unlawful misuse of the website, fraudulent submissions, or infringement through material you lacked authority to submit. This provision does not require you to cover losses caused by our negligence, unlawful conduct, or ordinary lawful use of mortgage services.
California law governs these website terms, except where controlling federal law or mandatory protections of another jurisdiction apply. Subject to applicable jurisdiction and venue requirements, disputes concerning these terms may be brought in appropriate state or federal courts in Orange County, California. Nothing here removes a legally required forum, small-claims remedy, or right to contact a regulator.
If a provision cannot be enforced, the remaining lawful provisions remain in effect. A failure to enforce a provision on one occasion is not a waiver. No provision retroactively removes an accrued claim or overrides a nonwaivable right.
We may revise these terms and update the date shown above. Changes apply prospectively after appropriate notice and any legally required acceptance. A new policy does not automatically broaden an existing marketing, AI voice, or recording consent.
Questions or concerns: [email protected] or (707) 280-9627 . Electronic Mortgages Inc, 1643 Via Tulipan, San Clemente, CA 92673.
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