Here we are in December! That year seemed to blow by and the holidays are here again. My realtor partners in the Bay Area are telling me that many of the local markets seem to be slowing down price wise so maybe the torrid appreciation that has created a huge housing crisis in my area is starting to turn. I sincerely hope so since the amount of homelessness in my home town of Oakland and in the surrounding areas has been increasing at a pace that is frightening and shocking. ... Read the full article here
Welcome to my new website. My name is Vic Joshi and I'm with C2 Financial, home of free mortgage consultation and California home loan expert. I have over twenty years of experience in the industry and have been a licensed real estate agent since 1998. I have two basic premises that I work under. Number one, mortgage lending makes no common sense. There are series of arbitrary rules and guidelines that mortgage lenders and underwriters publish and a borrower has to simply meet those guidelines in order to get the lender to fund the loan. The second premise that I work under is that the underwriter and the lenders job is actually to kill your loan. Banks are not in the business of making loans, they're in the business of killing loans. If we can figure out how to prevent the lender and the underwriter from killing your home loan then you may get a funded loan, which is the whole purpose of working with a mortgage lender, or mortgage broker. I give free information all day every day, that's my business model. If I transact with you then I will get paid a commission that the lender will pay and that will be incorporated into any quotes that I provide. I am based in Oakland California and transact loans all over the state.
With first time home buyers, or people who are new to the mortgage process, there is generally a series of mortgage 101 sessions that I will give in person or over the phone to bring each individual up to speed. Part of the process that is important is educating each client so that they are aware of how the mortgage process works, and so that they're not left in the dark. My goal is not to lead anyone in the dark through the process, but to enlighten them as to what the process entails and how the process is going to work to their benefit. Please feel free to contact me anytime, I do work evenings and weekends as well. I am not a banker's hour mortgage consultant and I can set up a time to meet in person. Probably 95 percent of my business is done over the phone and over email and the internet, but I am perfectly happy to meet in person on location at my home office or any place that's convenient for each individual client. Again, Vic Joshi, C2 Financial, home of free mortgage consultation.
The services referred to herein are not available to persons located outside the state of California Loan approval is not guaranteed and is subject to lender review of information. Loan is only approved when lender has issued approval in writing. Specified rates may not be available for all borrowers. Rate subject to change with market conditions. This licensee is performing acts for which a real estate license is required. C2 Financial is licensed by the California Bureau of Real Estate, Broker # 01821025; NMLS # 135622
This licensee is performing acts for which a real estate license is required. C2 Financial Corporation is licensed by the California Bureau of Real Estate, Broker # 01821025; NMLS # 135622. Loan approval is not guaranteed and is subject to lender review of information. Loan is only approved when lender has issued approval in writing. Specified rates may not be available for all borrowers. Rate subject to change with market conditions. C2 Financial Corporation is an Equal Opportunity Mortgage Broker/Lender. The services referred to herein are not available to persons located outside the state of California.
C2 Financial Corporation is approved to originate VA and FHA loans, and has the ability to broker such loans to VA and FHA approved lenders. C2 Financial Corporation is not acting on behalf of or at the direction of HUD/FHA or the VA.