Explore VA home loans in Orange County and all California with Yosef Shapiro. Review eligibility, down payment options, funding fees, and closing costs.
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 VA home loans in Orange County and all California with Yosef Shapiro. Review eligibility, down payment options, funding fees, and closing costs.
VA Home Loans
Eligible veterans, service members, and surviving spouses may buy with no down payment and no monthly mortgage insurance. I’ll help you review your eligibility, funding fee, monthly payment, and cash needed at closing.
I help eligible military borrowers in Orange County and throughout California explore their VA financing options. You can work directly with me by phone and online.
Select what you have in place. You don’t need every item figured out to start a conversation.
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Plan for your down payment, any funding fee, and closing costs. The closing-cost example below uses an $850,000 purchase price.
Example figures are illustrative and for education — your numbers depend on price, program, county, and negotiation.
I’ll guide you through the financing steps and explain what the lender needs along the way.
I’ll compare the costs and requirements of your eligible options before you choose.
Compare conventional financing with your VA benefit, including down payment and mortgage insurance.
Explore FHA financing if you want to compare another home purchase option.
Eligibility, terms, and program availability vary. I’ll confirm the options for your situation.
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