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.

Learn About
Home Loans Here!

BUYERS

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

Request a Current Rate Quote

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

Viral "Vic" Joshi2018-09-19T19:10:08-07:00

New Home in the U.S.

Foreign Nationals

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 [...]

Viral "Vic" Joshi2018-09-19T17:29:18-07:00

Balloon Payment Threat

Home Refinance, Self-Employed

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 [...]

Viral "Vic" Joshi2018-09-19T17:29:25-07:00

Rental Renovation

Investors

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 [...]

Viral "Vic" Joshi2018-09-19T17:29:34-07:00

Elder Care at Home

Reverse Mortgage

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, [...]

More Home Buyer Success Stories

BLOG

What Are Closing Costs?

Viral "Vic" Joshi2019-05-19T15:29:42-07:00May 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 [...]

What’s the Deal with Redfin Mortgage?

Viral "Vic" Joshi2019-04-28T22:50:42-07:00April 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?

Viral "Vic" Joshi2019-03-03T01:41:53-07:00February 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 [...]

Mortgage Rates & SCUBA Diving

Viral "Vic" Joshi2019-02-08T19:17:00-07:00January 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 [...]

More Blog

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

 I cannot say enough great things about Vic. I had a free consultation with Vic “Mortgage 101” to take a... read moreI cannot say enough great things about Vic. I had a free consultation with Vic “Mortgage 101” to take a look at our financial scenario. Vic explained all of our options and what is possible in our current situation. I had no Idea that based on your income you can potentially qualify for an interest rate as low as 1%. That really gives my husband and I hope in this expensive East Bay market. And if it ever gets too expensive to buy in the Bay we are still planning on using Vic since he is also licensed in Oregon and Washington. read less
<img src="https://vicjoshi.com/wp-content/plugins/wp-review-slider-pro-premium/public/partials/imgs/google_small_icon.png" alt="Google Logo" class="wprevpro_t1_site_logo">
<img src="https://vicjoshi.com/wp-content/uploads/wprevslider/avatars/1558014879_95.jpg" alt="Katya Y. Avatar" class="wprevpro_t1_IMG_4 wprevpro_avatarimg" />Katya Y.
5/16/2019
 <img src="https://vicjoshi.com/wp-content/plugins/wp-review-slider-pro-premium/public/partials/imgs/yelp_stars_5.png" alt="5 star rating" class="wprevpro_t1_star_img_file">I cannot say enough great things about Vic. I had a free consultation with Vic "Mortgage 101" to take a... read moreI cannot say enough great things about Vic. I had a free consultation with Vic "Mortgage 101" to take a look at our financial scenario. Vic explained all of our options and what is possible in our current situation. I had no Idea that based on your income you can potentially qualify for an interest rate as low as 1%. That really gave me and my husband hope in this expensive Oakland market. Thank you Vic. read less
<img src="https://vicjoshi.com/wp-content/plugins/wp-review-slider-pro-premium/public/partials/imgs/yelp_outline.png" alt="Yelp Logo" class="wprevpro_t1_site_logo">
<img src="https://s3-media2.fl.yelpcdn.com/assets/srv0/yelp_styleguide/514f6997a318/assets/img/default_avatars/user_60_square.png" alt="Katya Y. Avatar" class="wprevpro_t1_IMG_4 wprevpro_avatarimg" />Katya Y.
5/16/2019
 <img src="https://vicjoshi.com/wp-content/plugins/wp-review-slider-pro-premium/public/partials/imgs/yelp_stars_5.png" alt="5 star rating" class="wprevpro_t1_star_img_file">To anyone who is thinking about purchasing a home, look no further, Vic is your guy. He is hands-down the... read moreTo anyone who is thinking about purchasing a home, look no further, Vic is your guy. He is hands-down the most informative and knowledgeable mortgage consultant, and most importantly TRUSTWORTHY and HONEST. 

We had a somewhat tumultuous journey selling and buying a home at the same time, and Vic was a true ally throughout the whole process. He does not push product, and he really urges you to make a decision that you are comfortable with. 

He's a seasoned veteran and amazing at what he does. We trust him and the advice he gives. He's a great guy that watches out for the interest of his clients and we are so happy that we were lucky enough to work with him. HIGHLY recommend!! read less
<img src="https://vicjoshi.com/wp-content/plugins/wp-review-slider-pro-premium/public/partials/imgs/yelp_outline.png" alt="Yelp Logo" class="wprevpro_t1_site_logo">
<img src="https://s3-media4.fl.yelpcdn.com/photo/AIxAoQXXgPq0pfjno1LdxA/120s.jpg" alt="Cindy T. Avatar" class="wprevpro_t1_IMG_4 wprevpro_avatarimg" />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 moreExcellent transaction! This was my second experience with Vic. He is very professional and I will do business with him again and again! read less
<img src="https://vicjoshi.com/wp-content/plugins/wp-review-slider-pro-premium/public/partials/imgs/google_small_icon.png" alt="Google Logo" class="wprevpro_t1_site_logo">
<img src="https://vicjoshi.com/wp-content/uploads/wprevslider/avatars/1555361750_93.jpg" alt="Arash K. Avatar" class="wprevpro_t1_IMG_4 wprevpro_avatarimg" />Arash K.
4/15/2019