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Yosef Sapezhansky

Loan Officer

NMLS ID #1846779

Full Application

"Let Yosef get you home!"


Yosef uses FM Home Loans extensive mortgage lending resources and experience to provide his clients with great rates, fast pre-approvals, superior customer service and hassle-free closings. As a loan officer with FM Home Loans, Yosef is dedicated to building lasting relationships with realtors by providing their buyers with effective purchasing solutions and real time communication.

Super powers

Tenacity, Commitment, Reliability, Humor, Warmth and Athleticism.


 from 5 reviews


01/24/2021 | M.M.


01/01/2021 | A.L.
Yosef was very nice, helpful, knowledgeably and made himself available for any questions and calls. Highly pleased with the whole process and highly advise him


12/19/2020 | V.I.
Hard and meticulous worker, takes care of his clients and get the job done in all types of conditions.


09/13/2020 | E.B.
Yosef was a pleasure to work with. Answers calls at all times of day and night. Very patient. I’d refer to everyone and anyone looking to get a mortgage. Especially a complicated case like mine.


08/16/2020 | A.E.
Yosef Was great to work with, he has a tremendous amount of experience and understanding in the industry and is always available for any questions that may come up.

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Rent Vs. Own

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

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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.