Reviews

Vic is a consummate professional, and does a great job making an arduous process for your borrower much better than it would otherwise be. He communicates clearly and efficiently, found us a great rate, and made sure the entire process was as smooth as possible. I highly recommend him as your "mortgage sherpa" :)

Vic, Althea and his team are awesome! They are very knowledgeable, responsible, and truly invested with their clients. They have helped me in buying a new home, and refinanced with a great rate. I have a full-time job, and often times I do not leave work until 5-6 p.m. on weekdays. I also work on the weekends. Vic has been available after hours for me. I really appreciate his time, effort and patience in going over everything with me.... read moreVic, Althea and his team are awesome! They are very knowledgeable, responsible, and truly invested with their clients. They have helped me in buying a new home, and refinanced with a great rate. I have a full-time job, and often times I do not leave work until 5-6 p.m. on weekdays. I also work on the weekends. Vic has been available after hours for me. I really appreciate his time, effort and patience in going over everything with me. From the beginning to end, Vic make sure that I have all the information I need to go through the process and kept me up to date with the status of my funding and next steps. I would highly recommend working with them for your mortgage financing needs.I am very grateful to have Vic as my mortgage consultant. Thank you Vic, Althea and your team for all your help this past year. read less

Viral (Vic), Althea, and their team got me through a very complex refinance last year. The previous mortgage lender was difficult to work with, causing the refinance to be unnecessarily drawn out. However, Vic and his team were was patient, knowledgeable, and diligent throughout the process. They are nice people too! I got a great rate and, most importantly, peace of mind. I'm glad I chose Vic as my mortgage consultant and would highly recommend his services.

Vic and his team are absolutely the best! I would highly recommend working with them for your mortgage financing needs.They are very knowledgeable, responsible, and truly invested with their clients. From beginning to end, they make sure you have all the information you need to go through the process and keep you up to date with the status of your funding and next steps. As a first time homebuyer, I really appreciate how fast, efficient, and straightforward... read moreVic and his team are absolutely the best! I would highly recommend working with them for your mortgage financing needs.They are very knowledgeable, responsible, and truly invested with their clients. From beginning to end, they make sure you have all the information you need to go through the process and keep you up to date with the status of your funding and next steps. As a first time homebuyer, I really appreciate how fast, efficient, and straightforward my mortgage funding process was.Thank you so much Vic! Looking forward to working with you again! read less

As a first time home buyer I really appreciated the experience that I had with Vic as my loan officer. I benefitted from his "mortgage 101'" overview that he provided during our initial chat, it was clear that he values informing people about their options and works hard to find the best rates--this all made it easy for me to choose Vic to work with! Both he and his assistant Althea were attentive and considerate of my particular situation (purchasing... read moreAs a first time home buyer I really appreciated the experience that I had with Vic as my loan officer. I benefitted from his "mortgage 101'" overview that he provided during our initial chat, it was clear that he values informing people about their options and works hard to find the best rates--this all made it easy for me to choose Vic to work with! Both he and his assistant Althea were attentive and considerate of my particular situation (purchasing a property while living out of of the country and operating on a significant time difference). They sent me a "loan process flow chart" that clarified all of the steps, they quickly answered my questions, and did the important labor of monitoring the bond market to help me get the better rates for my loan. read less

Vic is the consummate mortgage consultant. He is communicative, responsive and attentive to his clients need. Having worked with other mortgage consultants, Vic ranks at the top. If you need a loan done quickly at an excellent rate, Vic needs to be your guy and won't disappoint.

I've worked with Vic and his team on refinancing my home mortgage. Both times it has bee easy and with great results. I highly recommend C2.

Vic Joshi and his C2 colleagues including loan processor Althea are outstanding at what they do. We just completed our second round of real estate refinancing with Vic, and the loans and terms that he found were better than we expected. He has a great general knowledge of the bond and mortgage markets (I say this as an economics professor who teaches in this area), and a great practical ability to shop for the best lenders that met... read moreVic Joshi and his C2 colleagues including loan processor Althea are outstanding at what they do. We just completed our second round of real estate refinancing with Vic, and the loans and terms that he found were better than we expected. He has a great general knowledge of the bond and mortgage markets (I say this as an economics professor who teaches in this area), and a great practical ability to shop for the best lenders that met our complex borrowing needs. His online document loading and signing process is super easy and efficient, and he always responds immediately to email, text or telephone--even if away from his office. He is very friendly and pleasant to work with. I can't imagine a better mortgage consultant! read less

Vic Joshi and his C2 colleagues including loan processor Althea are outstanding at what they do. We just completed our second round of real estate refinancing with Vic, and the loans and terms that he found were better than we expected. He has a great general knowledge of the bond and mortgage markets (I say this as an economics professor who teaches in this area), and a great practical ability to shop for the best lenders that met... read moreVic Joshi and his C2 colleagues including loan processor Althea are outstanding at what they do. We just completed our second round of real estate refinancing with Vic, and the loans and terms that he found were better than we expected. He has a great general knowledge of the bond and mortgage markets (I say this as an economics professor who teaches in this area), and a great practical ability to shop for the best lenders that met our complex borrowing needs. His online document loading and signing process is super easy and efficient, and he always responds immediately to email, text or telephone--even if away from his office. He is very friendly and pleasant to work with. I can't imagine a better mortgage consultant! read less

Vic Joshi is an outstanding mortgage consultant. My wife and I have hired him twice about 12 years apart to refinance our mortgage (the most recent just closed) and both times he made the process intelligible (the process itself can be like entering a deep, dark and long cave!) and smooth. He gave us confidence, was always available on short notice, and coordinated all the related activities with us (appraisal, finding the lender, etc.). Can't say enough... read moreVic Joshi is an outstanding mortgage consultant. My wife and I have hired him twice about 12 years apart to refinance our mortgage (the most recent just closed) and both times he made the process intelligible (the process itself can be like entering a deep, dark and long cave!) and smooth. He gave us confidence, was always available on short notice, and coordinated all the related activities with us (appraisal, finding the lender, etc.). Can't say enough about how much we think of Vic! read less

I've worked with Vic on three loans. Every time he found me a great rate and made the whole process easy. He responds right away to questions. He's professional and personal. I don't hesitate to recommend Vic.

I've worked with Vic on 3 different loans, and he is the BEST. He will walk you through any questions, and he gets things done.

Simply put, I cannot imagine a better loan broker. Vic Joshi is efficient, very hard working, super professional, and totally honest. He does everything he can to make your experience as painless as possible. I recommend him enthusiastically and without any reservation. He is the VERY BEST!!

I've worked with Vic on 3 different loans, and he made it easy to understand, and got them all done efficiently. Some people say your real estate agent is memorable, but working with Vic was the best part of each transaction!

Vic made my refinance quick and painless. From the beginning, his communication was clear and timely. He was professional from start to finish. The steps for me were clearly laid out. Different scenarios were provided and I simply had to choose. Vic and his team did all the legwork, I just had to retrieve personal financial documents. Thank you Vic and team! I would highly recommend you to others who want to refinance their home!

Vic made my refinance quick and painless. From the beginning, his communication was clear and timely. He was professional from start to finish. The steps for me were clearly laid out. Different scenarios were provided and I simply had to choose. Vic and his team did all the legwork, I just had to retrieve personal financial documents. Thank you Vic and team! I would highly recommend you to others who want to refinance their home!

Not only is Vic well informed, personable and deeply invested in getting you the best loan, he is one of the hardest working people I know. This has been a crazy, busy time for Vic and we were lucky enough to be able to work with him and his team in Q2 of 2021 to refinance with an amazing rate. The entire process was transparent with all costs clearly stated up front and easy loan scenarios to make the right... read moreNot only is Vic well informed, personable and deeply invested in getting you the best loan, he is one of the hardest working people I know. This has been a crazy, busy time for Vic and we were lucky enough to be able to work with him and his team in Q2 of 2021 to refinance with an amazing rate. The entire process was transparent with all costs clearly stated up front and easy loan scenarios to make the right decision. Like many situations, not everything is a simple straight path but Vic and Althea made everything work seamlessly with a high level of coordination and follow up. This process was quite different from working with a bank for our prior mortgage and I can't imagine working with anyone else for our future home lending needs. This may sound too effusive but Vic really is a special person to work with in the lending space and provides the ne plus ultra in service when financing a home. Thanks, Vic, for everything. read less

I'm not at all surprised to see all the wonderful reviews for Viral Joshi and his team. After having refinanced my home with other brokers I know now to ONLY go to Joshi and recommend others to go to him as well. It was by far one of the most seamless home refinancing's I've ever experienced. And for as busy as he is, he never misses a beat. For example, after I initially contacted him he promptly provided the documents... read moreI'm not at all surprised to see all the wonderful reviews for Viral Joshi and his team. After having refinanced my home with other brokers I know now to ONLY go to Joshi and recommend others to go to him as well. It was by far one of the most seamless home refinancing's I've ever experienced. And for as busy as he is, he never misses a beat. For example, after I initially contacted him he promptly provided the documents list needed to complete my application and while I was dragging my feet getting it together, he called to check on me! His service is impeccable and he and his team's professionalism are like none other. Thank you for the best home loan experience!August 14, 2021After the initial review of my first refi, the rates dropped but it would have been too soon to refi without Vic losing his commission (which I didn’t want to happen). He asked that I wait it out as he was certain refi reforms would change to lower refi costs and that rates may fall again.Everything Vic said that would happen did actually happen and I just closed the “last” refi on my home for 1.25% lower than my previous mortgage.I went from 3.5% to 2.25% in another relatively seamless refinancing process. Again it was another swift, clean and efficient process.Thank you C2 Financial and team! You’re the best! read less

Vic was recommended by a friend who said my rate was too high. I didn't want to leave my credit union, but I figured I'd talk to Vic and see what was available. The loan scenarios were too good to pass up! And Vic kept advocating to get me the best deal throughout the process. The whole refinance was fast and easy. No hidden fees, no bad surprises. Highly recommend.

Vick is the MAN! I spoke to 4 or 5 loan officers before I stumbled upon him and immediately realized he was different. I first got ahold of him when he was in the middle of a vacation and he took time out of his busy day to give me a 1 hour explanation of how mortgages work - he calls it "mortgage 101". Most loan officers remind me of car salesman, but working with Vic feels like working with... read moreVick is the MAN! I spoke to 4 or 5 loan officers before I stumbled upon him and immediately realized he was different. I first got ahold of him when he was in the middle of a vacation and he took time out of his busy day to give me a 1 hour explanation of how mortgages work - he calls it "mortgage 101". Most loan officers remind me of car salesman, but working with Vic feels like working with family. He's also very responsive and and was very patient with me and always willing to answer all my questions. It's no wonder he has all five star reviews read less

Vic is our trusted Loan Officer! From day one he made us feel very comfortable and had a very relaxed and transparent way of explaining options and details. He knows his stuff, but is also good at explaining and making sense of it. He is very approachable and available when a quick phone calls helps clear things up. After 3 loans with Vic, we have someone that we trust and will continue to work with.

Really professional services. We couldn't be happier with the process or the results. So glad to have found him!

This is the second time I've done a re-fi with Vic. He is tremendously knowledgeable, responsive, with superb communication and organization. He also understands all the ins and outs of the particular neighborhood I live in (University Hills), which has odd ground leasing rules affecting lenders. Vic is the best!

This is the second time I've done a re-fi with Vic. He is tremendously knowledgeable, responsive, with superb communication and organization. He also understands all the ins and outs of the particular neighborhood I live in (University Hills), which has odd ground leasing rules affecting lenders. Vic is the best!