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
Room to Play
A married couple living in an apartment in the East Bay were looking to purchase their first home. They wanted to stay in the Bay Area, desired a family-friendly neighborhood, and a home with a big backyard where their 3-year-old daughter could have room to play.
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 [...]
Paid Off Debt
A homeowner with a family of four came to me sinking in credit card debt, and concerned that he might lose his house in Pleasanton. Due [...]
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 [...]
BLOG
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 [...]
What Are Closing Costs?
First Time Home Buyers Guide to Closing Costs You have your downpayment. Great. You are ready to close the deal [...]
What’s the Deal with Redfin Mortgage?
DIY Mortgage Loans A lot of people ask us why they should bother with using a real estate broker as [...]
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
We highly recommend working with Vic Joshi when purchasing a home. Buying a house, especially in the Bay Area market... read more
As first-time home buyers, my wife and I knew very little about the home buying process, but we knew Vic... read more
Just closed on our second refinance with Vic's capable assistance.
In this case, Vic contacted us proactively to let us... read more
Vic Joshi is the most knowledgeable, kind, and personable person I have done business with in financing a home. ... read more
