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 real mortgage advice sessions.
REAL MORTGAGE ADVICE FOR HOME BUYERS
Are you tempted by instant online rate quotes? Read “What’s Wrong with Loan Shopping Online.”
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Don’t become a cog in some bank’s profit-making machine! Talk to me for a free consultation and get rate information that actually matches your needs and your buying situation. No obligation!
I help empower buyers of all ages and income brackets with real mortgage advice, so they can make informed decisions and close home loans — even with special circumstances like those below.
PROPERTY OWNERS
HOME BUYER SUCCESS STORIES
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An Ethical Business Story
I'd like to share something that happened to me this past week that will help explain how ethical business practices [...]
Refinancing Goes Nuts!
Fed Cuts Rate and Refinancing Goes Nuts! The Federal Reserve cut their target interest rate, the Fed Funds, by [...]
Mortgage Refinance Opportunity
Hello Friends, here's my market rates email list update for August 2019. Federal Reserve Rate Cut The Federal Reserve [...]
HELOC vs. Refinance
HELOC vs. refinance: Which is better for a cash-out loan? Is a home equity line of credit (HELOC) or a [...]
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 with real mortgage advice, 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
No B.S. kind of guy. Communicated proactively, and was very understanding when we had to change some things around. Honest,... read more
Vic provides outstanding services ---
Vic was incredibly helpful and attentive in his communication. He was never pushy and held out until he was able... read more
Vic’s experience and relationships with banks provided the competitive edge I needed to purchase my first home. Vic was always... read more
