Now licensed in California, Oregon, Washington, & Colorado

Get expert help navigating not only this tough S F Bay Area real estate market, but the entire West Coast. Learn how the loan process works with my free mortgage advice sessions.

BUYERS

Are you tempted by instant online rate quotes? Read “What’s Wrong with Loan Shopping Online.”

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Talk to me for a free no obligation consultation instead of becoming a cog in some bank’s profit-making machine!

I can help buyers of all ages and income brackets close home loans, even with special circumstances like those below.

PROPERTY OWNERS

Looking for Property Investments
Relocating in California — Buying & Selling
Refinancing — Use Your Home Equity
Looking for Property Investments
Relocating in California — Buying & Selling
Refinancing — Use Your Home Equity

HOME BUYER SUCCESS STORIES

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  • what are closing costs

What Are Closing Costs?

May 19th, 2019|

You have your downpayment. Great. You are ready to close the deal on your loan and start making bids on houses! Soon you get your closing statement and there are extra charges you might not be expecting. Wait — is someone trying to pull a fast one and pad their profits? Well no. The [...]

  • Redfin mortgage loans

What’s the Deal with Redfin Mortgage?

April 28th, 2019|

DIY Mortgage Loans A lot of people ask us why they should bother with using a real estate broker as opposed to using an app like Redfin Mortgage that launched last fall. They see that there seems to be a discount for using a simple DIY app, and they aren’t wrong — but there [...]

  • need help with a mortgage loan

Need Help With a Mortgage Loan?

February 28th, 2019|

Hello, friends. I'm here to educate homebuyers and guide them through the mortgage loan process to get them the best loan available for their unique situation. Here's an overview of what I do for anyone who needs help with a mortgage loan. Two Basic Tenets of the Mortgage Loan Process Many of you who [...]

  • Diving in Cozumel

Mortgage Rates & SCUBA Diving

January 31st, 2019|

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 [...]

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

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

AWARD-WINNING MORTGAGE BROKER WITH C2 FINANCIAL CORPORATION

Top 10 Producer Vic JoshiI 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

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WARRIORS FAN, FATHER, 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

REVIEWS

I cannot say enough great things about Vic. I had a free consultation with Vic “Mortgage 101” to take a... read more

Katya Y. Avatar
Katya Y.
5/16/2019

5 star ratingI cannot say enough great things about Vic. I had a free consultation with Vic "Mortgage 101" to take a... read more

Katya Y. Avatar
Katya Y.
5/16/2019

5 star ratingTo anyone who is thinking about purchasing a home, look no further, Vic is your guy. He is hands-down the... read more

Cindy T. Avatar
Cindy T.
5/16/2019

Excellent transaction! This was my second experience with Vic. He is very professional and I will do business with him... read more

Arash K. Avatar
Arash K.
4/15/2019