REAL MORTGAGE ADVICE℠

Get the Best Loan for the Home
You Want!

510-655-2868

REAL MORTGAGE ADVICE℠

Get the Best Loan for the Home
You Want!

510-655-2868

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.

Learn About
Home Loans Here!

REAL MORTGAGE ADVICE℠ FOR HOME BUYERS

Get a Mortgage Rate Quote

Don’t become a cog in some bank’s profit-making machine! Talk to me for a free consultation and get realistic mortgage rate information that matches your needs. No obligation.

Get a Mortgage Quote

Apply for a Mortgage Loan

Start your mortgage loan application here and get my help throughout your loan experience. Our system makes the application process easy and expedites the process. No obligation.

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GET HELP WITH SPECIAL CIRCUMSTANCES

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

Rental Renovation

Investors

Viral "Vic" Joshi2018-09-19T17:29:43-07:00

Home Expansion

Home Refinance

Viral "Vic" Joshi2018-09-19T17:29:58-07:00

Yard for the Dog

Military Veterans

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

New Home in the U.S.

Foreign Nationals

More Home Buyer Success Stories

BLOG

Tough Loan Cases + Current Rates

Viral "Vic" Joshi2020-01-20T22:35:54-08:00January 20th, 2020|

The Maze of Tough Loan Cases I recently closed a very difficult transaction that, if any number of lenders [...]

Loans for Self-Employed + Current Rates

Viral "Vic" Joshi2020-01-20T19:35:20-08:00January 3rd, 2020|

Here's my monthly update on the outlook for current rates in general, but first — news about loans for [...]

Loans for Seniors & Veterans + Current Rates

Viral "Vic" Joshi2020-01-20T19:32:14-08:00November 19th, 2019|

I have news this month on loans for seniors and veterans, but first let's look at the overall outlook [...]

An Ethical Business Story

Viral "Vic" Joshi2020-01-04T22:13:42-08:00October 27th, 2019|

I'd like to share something that happened to me this past week that will help explain how ethical business practices [...]

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 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

 Vic is an amazing, trusted partner for one of the largest financial transactions you will make in your life time.... read moreVic is an amazing, trusted partner for one of the largest financial transactions you will make in your life time. He has incredible insight into the many mortgage options for your specific needs and spends time to make sure you understand the product and process. Vic also has deep knowledge on the underlying market dynamics that affect mortgage rates and will work tirelessly to make sure you get the best rate. We were so happy with Vic for our initial mortgage that when it came to our recent refinancing, there was no other choice, but Vic. In addition to his exceptional service, Vic also surrounds himself with a competent team that will work closely with you. If you need a mortgage, Vic is your person. 
 
 Keep up the great work,
 
 Michael and Kellie read less
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<img src="https://vicjoshi.com/wp-content/uploads/wprevslider/avatars/1580413865_115.jpg" alt="Michael N. Avatar" class="wprevpro_t1_IMG_4 wprevpro_avatarimg" />Michael N.
1/30/2020
 Vic has been my go to person for financing for years now! He has always been reliable, responsive and willing... read moreVic has been my go to person for financing for years now! He has always been reliable, responsive and willing to break things down for me in as much detail and with as much time as I need. 
 
 He works diligently and promptly to move my interests and I have always been satisfied with the results Vic gets for me and my family.
 
 Thanks Vic! 
 By the way, not only would I recommend him, I do! I do it regularly with my closest friends who are looking to buy or refinance and I always refer him when I'm asked about how I think could help.
 
 He's really the best. read less
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<img src="https://vicjoshi.com/wp-content/uploads/wprevslider/avatars/1578605691_112.jpg" alt="Omar M. Avatar" class="wprevpro_t1_IMG_4 wprevpro_avatarimg" />Omar M.
1/09/2020
 No B.S. kind of guy. Communicated proactively, and was very understanding when we had to change some things around. Honest,... read moreNo B.S. kind of guy. Communicated proactively, and was very understanding when we had to change some things around. Honest, and I never felt pressured. 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/1572456061_110.jpg" alt="Mikhail S. Avatar" class="wprevpro_t1_IMG_4 wprevpro_avatarimg" />Mikhail S.
10/30/2019
 <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">Vic provides outstanding services ---
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<img src="https://s3-media2.fl.yelpcdn.com/assets/srv0/yelp_styleguide/514f6997a318/assets/img/default_avatars/user_60_square.png" alt="Jorge B. Avatar" class="wprevpro_t1_IMG_4 wprevpro_avatarimg" />Jorge B.
10/30/2019