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LicensedHome Loan Expert
I’m Viral (pronounced like “virile”) “Vic” Joshi, a native San Francisco Bay Area resident and an independent California home loan expert. I’ve been helping home buyers, homeowners, and investors with mortgage loans since 1997. I work as an agent with my company, Straight Deal Mortgage. I’m also a California licensed real estate agent since 1998. After decades in the home loan industry, I’m still passionate about helping home buyers get the loan they need for the home they want.
Home of REAL Mortgage Advice®
My mission is to help buyers qualify for the loan terms they want that works for their circumstance. I spend a generous amount of time with each client to educate them about how the mortgage industry works, through free “Mortgage 101” consultations, so they can make good decisions and get a great loan. I’ve revamped my website to give clients a trove of current resources to supplement my consultations. See Shining a Light on the Mortgage Industry »
Navigating the Mortgage Industry
Because I’ve been in this industry so long, I’m aware of its inner workings, trends, the adversarial relationship between buyers and lenders, the lending practices of banks versus brokers, and the arbitrary rules and guidelines that lenders and underwriters follow. I’ve witnessed the impact on buyers resulting from changes in the industry through lending booms and crashes. I’m passionate about using that experience to help steer every client through the complexities of loan shopping so they can avoid the pitfalls and get the loan they need for the home they want. Part of my process is educating clients about how the loan process works.
Professional Memberships, Certifications, & Awards
I stay current on issues and trends with daily exposure to the mortgage industry through my work and through professional memberships with the National Association of Mortgage Brokers and the California Association of Mortgage Professionals. I’m also an expert on home loans for veterans as a Certified Veterans Loan Specialist.
Recent Posts About Vic Joshi
The Indonesia SCUBA dive trip was a huge success!
The Indonesia SCUBA dive trip was a huge success! We [...]
Holiday Joy
They grow up fast! This holiday season I was [...]
Still Waiting for the Mortgage Market
Still Waiting Mortgage interest rates have yet to make [...]
Personal Side
I’m an avid scuba diver and certified Rescue Diver. Eventually I’d like to become a dive instructor so I can share the joys of this ocean sport with others.
I give back to the Monterey Bay Aquarium, Divers Alert Network (DAN), and the National Outdoor Leadership School (NOLS). I’m also a longtime Warriors fan.
Home Office
My home penthouse office is located on Telegraph Avenue in the Temescal neighborhood in Oakland, California, but I transact loans throughout California, Colorado, Hawaii, Oregon, Washington, Texas and Florida. I do my best to be available to talk or meet with clients whenever it works for their schedule.
Email Vic Joshi to start your home loan search!
Call 1-866-309-0013 or