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Simply the best mortgage broker I could've asked for. Vic was prompt, professional, and patient. He took plenty of time to explain the complicated and intimidating process of securing a loan for me & was always readily available when I needed him. Under my unique circumstances, he prepared me to be the best possible candidate for a loan and found... read more
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Dayo A.
Mr. Joshi is prompt, professional and gets the job done. I would do business again with Vic.
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Robert F.
Vic Joshi is a rare combination of savage mortgage and finance guru and heart-centered, empathetic, real person. Our realtors told us he is the one they go to when things are sticky; that he has the creative solutions when other brokers hit a wall. We had a very complex situation: two self-employed earners with new businesses, student loans all complicated... read more
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Peter L.


AWARD-WINNING MORTGAGE CONSULTANT & BRANCH MANAGER AT STRAIGHT DEAL MORTGAGE.  I am an independent loan agent who, in the home mortgage loan industry since 1997, is still passionate about helping home buyers get the loan they need for the home they want or the home they already have. More

Top Agent, Top Producer

WARRIORS FAN, FATHER, & RESCUE SCUBA DIVER I’m a lifelong Bay area resident and a diehard Warriors fan. I’m also an avid scuba diver and certified Rescue Diver, hoping to eventually become a Dive Instructor so I can teach others how to safely enjoy ocean diving. I give back to a few of my favorite marine conservation organizations. More

Golden State Warriors Fan


Real Mortgage Advice Top 10 Producer Vic JoshiI am an independent agent who, after 21 years in the mortgage industry, is still passionate about helping home buyers navigate the process to get the loan they need for the home they want. MORE

Real Mortgage Advice from Vic JoshiVic Joshi Warriors fan and scuba diver


Warriors Fan

I’m a lifelong Bay area resident and a diehard Warriors fan. I’m also an avid scuba diver and certified Rescue Diver, hoping to eventually become a Dive Instructor so I can teach others how to safely enjoy this sport. I give back to a few of my favorite marine conservation organizations. MORE

Are you wondering why understanding amortization is crucial when it comes to real estate? Amortization is a fundamental concept that affects every homebuyer's financial journey. It's the process of gradually paying off a loan through regular installments over time. Here's why it should be on your radar: financial clarity, equity building, affordability assessment, refinancing considerations, and prepayment strategies.

How does amortization work? Amortization is the process of spreading out a loan into a series of fixed payments. Part of each payment goes toward interest costs, and part goes toward your loan balance. At first, more of your payment goes toward interest than to the loan principal. As time goes on, more and more of each payment goes towards your principal and you pay proportionately less in interest each month. So over time, you pay less in interest and more toward your balance.

To learn how much interest you'll pay over the life of your loan, try our Amortization Calculator.
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"Vic is a consummate professional and does a great job making an arduous process for your borrower much better than it would otherwise be. He communicates clearly and efficiently, found us a great rate, and made sure the entire process was as smooth as possible. I highly recommend him as your "mortgage sherpa" :)"
- John W.
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How does a bank statement loan work? Let me break it down.

✅ Income Verification: Rather than relying on pay stubs or tax returns, lenders offering bank statement loans will look at the borrower’s business and personal bank statements—usually the past 12 to 24 months—to assess income. They’ll calculate the borrower’s ability to repay the loan based on the cash flow shown in these statements.

✅ Loan Approval: If the lender determines that the income demonstrated through the bank statements is sufficient, they will approve the loan. Remember, different lenders have different criteria, so it’s important to clarify these details with each lender. Each lender will reduce the gross cash flow number by a business expense factor so it is important to vet each lender carefully to find the one that matches best with each borrower and their business.

✅ Interest Rates and Terms: Typically, bank statement loans may come with slightly higher interest rates than traditional loans due to the perceived higher risk involved. The loan terms are also flexible and can range from short-term (like 15 years) to longer-term options (like 30 years).

✅ Down Payment: Down payment requirements can vary based on the lender and the borrower’s creditworthiness, but they’re usually higher than for traditional loans, often ranging from 10-20%.

As a mortgage consultant, it’s important to me to be able to educate clients to ensure that they understand the various financing options available to meet their needs. If you want to learn more about bank statement loans, please feel free to reach out to me.
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Althea Huber is the glue that keeps the paper part of the loan process moving forward to see the loan closes successfully. She coordinates the flow of documents between the borrower, the lender, the appraiser, the property insurer, and the escrow/title company. She attends to all the minute details that must be addressed to ensure the loan closes efficiently and on time. Without Althea, there is a high potential for chaos and high anxiety for the borrower. Thank you, Althea!
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What is a bank statement loan? To put it simply, a bank statement loan is a type of home loan designed for self-employed borrowers, contractors, freelancers, and business owners who may not have the traditional W-2 forms or whose tax returns are inadequate to secure a conventional mortgage. Instead, this loan type allows these individuals to use their bank statements to verify income by establishing consistent cash flow to their business. This type of loan is crucial for many of our clients who may not have a regular, predictable income but have a healthy cash flow that can comfortably cover a mortgage payment. It's an excellent tool to keep in our arsenal when working with entrepreneurs, freelancers, and self-employed clients. One important note: Because bank statement loans aren't sold to government-sponsored entities like Fannie Mae or Freddie Mac, they are considered non-qualified (non-QM) loans. As such, they don't have to comply with the Ability-to-Repay rule under the Dodd-Frank Act, which makes them a bit riskier. However, reputable lenders will still follow good lending practices to ensure the borrower's ability to repay the loan. Should you have any questions or need further clarification about bank statement loans, please do not hesitate to reach out. I'm here to help ensure we can provide the best service and financing options to our clients.
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