Joseph Shapiro

VP / Senior Underwriting Director

"Let Joseph get you home!"


One of the initial key employees of FM Home Loans, Joseph is the secret ingredient that has enabled the company to grow and thrive over the past 25 plus years. Legendary for establishing structure and processes, Joseph has transformed the underwriting, processing and post-closing departments into well-oiled machines that have superbly adapted to the ever changing technological and complex demands of the mortgage industry. Joseph maintains an excellent reputation throughout the industry and is a much sought after source for his knowledge and expertise. 

Super Powers

Speed, Clarity, Building Structure, Underwriting Expertise and Responsivety

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Loan Information


Property Information


Taxes And Insurance Information

Rent Vs. Own

Compare the estimated costs of buying vs. renting a home.

Rental Information


Home Purchase Information

Monthly Rent:
Home Purchase Price:
Down Payment:
Mortgage Interest Rate:
Should you rent or own?
Average monthly payment increase if owning:
Estimated total gain over 7 years if owning:
Rent Own
Initial Rent Payment
Renter's Insurance
Mortgage Payment
PMI (Mortgage Insurance)
Property Taxes
Homeowner's Insurance
Before Tax Monthly Payment
Annual Home Maintenance
Total Payments Over 7 Years
Total Tax Savings Over 7 Years
Average After Tax Monthly Payment
Estimated Home Selling Price
Loan Balance
Estimated Cost to Sell
Down Payment & Initial Closing Costs With Unearned Interest
Investment Gain of Owning vs. Renting
Total Payment Savings of Owning vs. Renting
Total Payment Savings of Renting vs. Owning

The information provided by these calculators is for illustrative purposes only. The default figures shown are hypothetical and may not be applicable to your individual situation. Be sure to consult a financial professional prior to relying on the results. The calculated results are intended for illustrative purposes only and accuracy is not guaranteed.