Straight deal
mortgage advice.
I'm Vic Joshi, a mortgage lender originating loans since 1997 with access to many lenders and programs. Get a free Mortgage 101 consultation and a quote based on your real situation.
Three ways in.
Whether you're buying your first home, tapping into equity, or working with clients as a realtor — pick the door that fits.
Start Here to Learn All About Mortgage Loans
Free "Mortgage 101" consultation, pre-approval, and a walk through your options based on what you can qualify for.
ContinueRefinance, Invest, or Relocate
Tap your equity, buy a second home, or coordinate a buy-and-sell relocation with less stress and complexity.
ContinuePurchase Closings in 15 Days or Less
A track record dating to 2004, appraisal control, generous availability, and the experience to work through difficult deals.
Continue
Real, useful, personalized advice — free.
My Mortgage 101 consultation is provided free, so you're armed with information to make informed decisions along the way.
- 01Understand your scenarioI look at your personal, unique, financial situation and educate you about mortgage loans and how the process really works.
- 02Lay out your optionsBased on what loan products you can qualify for — with or without funds for a down payment.
- 03Get pre-approvedI help you understand what price range fits within your budget and get you pre-approved to snap up the property when it comes along.
Help for every kind of buyer.
Know the rules before you shop.
Mortgage guidelines are designed to manage lender risk, and every loan has to meet them before it can fund. Underwriters review each file to confirm it meets those guidelines.
As a correspondent lender with broad wholesale access, my job is to understand those guidelines as well as the underwriter does, then structure your application so the file is clear, complete, and ready for approval.
Read: How Mortgage Lending Really WorksWholesale choice. Direct-lender control.
Shane Stanfield Inc. DBA Straight Deal Mortgage funds loans on its own warehouse lines as a correspondent lender with a select group of investors, while I still shop every loan against a broad wholesale panel.
On loans we fund as a correspondent lender, that can mean pricing structured with lender credits to offset eligible costs, ordering the appraisal through our own appraisal management company relationship, and controlling the timeline instead of waiting in a wholesale queue.
See exactly how I get paid5.0★ · 349 five-star reviews.
Hear what happy clients are saying about Straight Deal Mortgage.
"I trust Vic with all my clients and my own very difficult loans. He will never give up on you. You will not get this expertise, care or communication from any big bank."
"Working with Vic as first-time home buyers was amazing. He broke down every step, was endlessly patient, and made sure we felt informed and confident before moving forward."
"Great experience refinancing with Vic and his team! Super helpful, kept me updated, made the whole process smooth and easy."
"Vic saved the day! Our multi-unit mixed-use property created lots of hurdles. Vic came in and closed within 15 days. "Straight deal" is no joke!"
Reviews are written by clients on Google and reflect individual experiences.
Read all reviews →Your home is doing more than housing you.
2022 Scotsman Guide Award, 2021 Scotsman Guide Top Originator, national top producer in 2021 and 2020, and companywide Top Producer 2022–present. Prior-affiliation C2 Top Producer 2013–2021.
Lifelong Bay Area resident and Certified Rescue Diver. Gives back to the Monterey Bay Aquarium, DAN, and NOLS.
Licensed and regulated by the California Department of Real Estate and other state regulators, with 150+ approved lenders and programs.
Talk with Vic before you shop online.
Free Mortgage 101 consultation — no obligation. Get a realistic quote that actually matches your situation.