No obligation “Mortgage 101” consultation!
Get expert help navigating this tough Bay Area real estate market and learn how the load process works. I’ve helped buyers of all ages and income brackets successfully and quickly close home loans. Do any of the special circumstances below apply to you?
BUYERS
PROPERTY OWNERS
BLOG
Mortgage Rates & SCUBA Diving
December Stock Market Corrections The corrections in the stock market to end 2018 rolled into the beginning of 2019. This helped push money into the bond market, which resulted in lower mortgage interest rates to start in 2019. The Fed Changes Course The longer-term outlook on mortgage rates for 2019 seems to point [...]
2019 New Year Mortgage Rates
Rocky December 2018 We ended 2018 with lots of volatility in the stock market which did help improve mortgage interest rates to end the year. Despite the Federal Reserve’s expected interest rate hike of .25% on December 19th 2018, mortgage rates saw some improvement because investors sold stocks and moved money to the relatively [...]
Mortgage Rate Seesaw
Hello, friends. We are in a new higher interest rate environment and are heading even higher going into 2019 and 2020. I'll explain what's happening behind the scenes and what you can expect to unfold in the next year or two. September Federal Reserve Rate Hike The Federal Reserve interest rate hike of .25% [...]
Tips for First Time Home Buyers
Buying your first home is a momentous time in most people's lives. Here are some tips for first time home buyers to help you sail through the experience. Get a GOOD Realtor I tell this to my clients all the time. You don’t want your friend who just started working as a realtor, or [...]
HOME BUYER SUCCESS STORIES
New Home in the U.S.
A Brazilian man, working in tech in the U.S., whose funds for the down payment were held overseas and who had limited U.S. credit, came to [...]
Balloon Payment Threat
A retail store owner who is also a homeowner in Kensington, came to me looking to refinance. His home loan had a balloon payment that was [...]
Rental Renovation
I had an investor come to me with a project that was in progress. He had started to do a renovation on a rental property, a [...]
Elder Care at Home
A client came to me, looking for a solution for his mother. Bedridden at 92, she wanted to remain in her home, with in-home hospice care, [...]
ABOUT VIC JOSHI
AWARD-WINNING MORTGAGE BROKER WITH C2 FINANCIAL CORPORATION I am an independent agent with C2 Financial, one of the largest mortgage brokers in the U.S. After 21 years in the home loan industry, I’m still passionate about helping home buyers navigate the process to get the best loan for the home they want. More
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
AWARD-WINNING MORTGAGE BROKER WITH C2 FINANCIAL CORPORATION
I am an independent agent with C2 Financial, one of the largest mortgage brokers in the U.S. After 21 years in the mortgage industry, I’m still passionate about helping home buyers navigate the process to get the best loan for the home they want. MORE
WARRIORS FAN, FATHER, 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 this sport. I give back to a few of my favorite marine conservation organizations. MORE
REVIEWS
Vic Joshi knows literally everything about mortgage loans, and I saw how driven he was to help me buy without... read more
Vic and his staff made the loan process easy from beginning to end. No surprises and everything turned out... read more
My husband and I used Vic Joshi as our mortgage broker when buying our house. He and his staff were... read more
Outstanding professional knowledge. Has a far greater understanding of CA mortgage than anyone I've ever met. The best, truly.
