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?
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Need Help With a Mortgage Loan?
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 [...]
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% [...]
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
Excellent transaction! This was my second experience with Vic. He is very professional and I will do business with him... read more
I hired Viral as a loan consultant in the late 90s the first time I met him. Not only was... read more
I hired Viral as a loan consultant in the late 90s the first time I met him. Not only was... read more
Vic Joshi was clear, knowledgeable and responsive. When I had questions, he answered them immediately. My new loan... read more