Reviews

Simply the best mortgage broker I could've asked for. Vic was prompt, professional, and patient. He took plenty of time to explain the complicated and intimidating process of securing a loan for me & was always readily available when I needed him. Under my unique circumstances, he prepared me to be the best possible candidate for a loan and found a product tailor-suited for me. He works like a man who has a passion for his work and trust me,... read moreSimply the best mortgage broker I could've asked for. Vic was prompt, professional, and patient. He took plenty of time to explain the complicated and intimidating process of securing a loan for me & was always readily available when I needed him. Under my unique circumstances, he prepared me to be the best possible candidate for a loan and found a product tailor-suited for me. He works like a man who has a passion for his work and trust me, you want that passion on your side. Stop searching -- you've found your guy. read less

Mr. Joshi is prompt, professional and gets the job done. I would do business again with Vic.

Vic Joshi is a rare combination of savage mortgage and finance guru and heart-centered, empathetic, real person. Our realtors told us he is the one they go to when things are sticky; that he has the creative solutions when other brokers hit a wall. We had a very complex situation: two self-employed earners with new businesses, student loans all complicated by the forbearance situation, co-signers, imperfect credit, etc. Vic guided us through several dark and thorny pathways, made us run... read moreVic Joshi is a rare combination of savage mortgage and finance guru and heart-centered, empathetic, real person. Our realtors told us he is the one they go to when things are sticky; that he has the creative solutions when other brokers hit a wall. We had a very complex situation: two self-employed earners with new businesses, student loans all complicated by the forbearance situation, co-signers, imperfect credit, etc. Vic guided us through several dark and thorny pathways, made us run when we had to and held our hand and encouraged us the entire time. I still can't believe we have a beautiful home in the bay area during this insane market period. We would chose to work with him again in a heartbeat! My family and I are forever grateful! read less

Vic Joshi and his colleagues 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. ... read moreVic Joshi and his colleagues 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 got me four mortgages, all for the same house. 6.5% 30 year, 5.5% 30 year, 4.5% 15 year, 2.8% 15 year. With each mortgage Vic was very organized, very clear in his communication about the process and about what would happen. Plus, he's fun. I will definitely use him in the future.

Vic is a consummate professional that knows the ins and out of mortgage financing. Although we have loads of equity in your house, excellent credit, and plenty of assets, our existing mortgage lender was not willing to give us a cash-out refinance based on my self-employed status with less than ideal income during the two years of Covid-19. Vic was able to help us navigate through this difficult process .to achieve our goals. My wife and I... read moreVic is a consummate professional that knows the ins and out of mortgage financing. Although we have loads of equity in your house, excellent credit, and plenty of assets, our existing mortgage lender was not willing to give us a cash-out refinance based on my self-employed status with less than ideal income during the two years of Covid-19. Vic was able to help us navigate through this difficult process .to achieve our goals. My wife and I look forward to working with him again read less

Vic is so knowledgeable and very easy to work with. He got us all set up and pre-approved before we started looking. When the home we found was a new build and we worked with the builders lending team, Vic was gracious and gave us his blessing. However before long we were calling him for advice again and we decided to switch back to working with Vic and he saved our transaction and got us into our house. Vic... read moreVic is so knowledgeable and very easy to work with. He got us all set up and pre-approved before we started looking. When the home we found was a new build and we worked with the builders lending team, Vic was gracious and gave us his blessing. However before long we were calling him for advice again and we decided to switch back to working with Vic and he saved our transaction and got us into our house. Vic is responsive and he worked hard behind the scenes to make everything work. I highly recommend him for his customer service and his experience. Ihave purchased over a dozen homes in my lifetime and I have never worked with a better lending partner. read less

Terrific broker. Handles all the details and gets the best price on a mortgage. Always available to answer all your questions

Over the last 8 years we have refinanced our home with Vic 4 times much to our financial advantage. We have special circumstances in our home ownership (lease land but own home) that makes it difficult for us to obtain a conventional loan. Vic has found us the willing lenders at the lowest rates. We highly recommend Vic’s services. Gary Matkin

We were so lucky to find Vic when we were first looking to buy a home almost 15 years ago. He was responsive, knowledgeable, incredibly hard working, and most importantly, trustworthy and honest. He walked us through everything at our speed and made sure we knew our options. Vic was the obvious choice when we had opportunities to refinance over the years and his service has remained world class...I couldn't make a higher recommendation!

If you scroll through the reviews, you'll see that my wife and I have done several refinances with Vic. Each one helped lower our rate and monthly payment, and each went smoothly. Vic and his team are professional, efficient, and keep you informed every step of the way.

Our family has used Joshi’s services three times in the last 12 years - purchase and two refis. He is accessible, thorough, and incredibly easy to work with - he has also been available for mortgage advice. We recommend him without hesitation and would definitely work with him again. The Lewis Family

I have worked with Vic Joshi on three different home loans over 10 years. He is a straight shooter, immensely competent, and a pleasure to work with.

Done many deals with Vic and he never disappoints!

Vic is great to work with. He was invaluable to us when we bought our home, explaining all the confusing elements that could have been overwhelming. He was a real partner - someone we trusted and who looked out for us throughout the process. I recommend working with Vic wholeheartedly, especially if it's your first home!

I can highly recommend Vic and his team if you're searching for a mortgage or refi. Vic got us a great low rate, explained all of the options, and answered my questions in clear terms. I also appreciated how he and his team walked us through all of the paperwork and made it as straightforward as possible.

Vic was a life saver! I needed a lender to help me close as quickly as possible in a very competitive market. He guided me throughout the entire process and answered all of my questions. I landed the home of my dreams and cannot thank Vic and his team enough! Highly recommend him. He is absolutely wonderful to work with and is undoubtedly a leader in the business.

Vic is the the person I have trusted with my mortgages since 2010! He is always available to talk and always has my interests and needs first. I have recommended and would highly suggest any one to seek out his help with anything.

My wife and I have worked with Vic twice over 24 years - our new mortgage on a home in Oakland and a refinance 18 months ago. Vic is incredibly easy to work with, pleasant, informative, and supportive. He also works quickly which was important when we refinanced most recently in order to get an amazing rate (1.75%) which was not available for very long. We enthusiastically recommend Vic!

Vic is very experienced in all aspects of the mortgage and refinance processes, finding a solution that makes sense for your situation. He extremely knowledge of the bond market and the effects on interest rates so he has the edge to lock in the best rate possible and secured funding very fast. I was very thankful to have him as a resource throughout our buying and refinance process.

Vic is extremely fast and well-informed. Highly recommend!

Vic Joshi is an experienced, knowledgeable and trustworthy broker. He worked on my side most importantly! I would see him any next mortgage I need

Very knowledgeable and easy to work with.

My wife and I have worked with Vic twice over 24 years - our new mortgage on a home in Oakland and a refinance 18 months ago. Vic is incredibly easy to work with, pleasant, informative, and supportive. He also works quickly which was important when we refinanced most recently in order to get an amazing rate (1.75%) which was not available for very long. We enthusiastically recommend Vic!

Vic made refinancing my home mortgage extremely easy. He found a great rate and I definitely recommend others to use his service. Thanks Vic!

Vic was very knowledgeable and working with him was seamless. Highly recommended!

Vic knows all about the mortgage business and is a great teacher. If I have a question about anything mortgage-related, I know I can call him and get his professional undivided attention. If he doesn't pick up right away, he always calls me back. He got me a great refinance rate last time I worked with him and I am unlikely to get anything that low again.

Vic works harder than any other loan officer I've ever worked with. Communicates quickly, upfront, no nonsense. Next time I need a home loan, I'll be calling Vic.

TL;DR: Work with Vic. He's great and is a great asset to have on your side.Vic has been a complete pleasure to work with. We worked with him on a couple of occasions while in the process of buying our first house as well as when we were considering re-financing our mortgage. On both occasions Vic always took the time to explain our options clearly and helpfully. He often had to take a step back and explain some market basics... read moreTL;DR: Work with Vic. He's great and is a great asset to have on your side.Vic has been a complete pleasure to work with. We worked with him on a couple of occasions while in the process of buying our first house as well as when we were considering re-financing our mortgage. On both occasions Vic always took the time to explain our options clearly and helpfully. He often had to take a step back and explain some market basics to us and he did it without rushing and made sure we understood how things worked and knew what to expect.We wouldn't hesitate to work with him again if we needed something with our mortgage. read less

Vic was Refered to me by a friend and he helped me so much after my divorce to secure my home and then later refinance. Was a complete delight to work with and tells you like it is. Love the no bs straight to it! I’d love to work with him again in the future and suggest him to everyone who’s looking

Working with Vic was seamless. As a first time home buyer, Vic helped me through the entire mortgage process. He held a "Mortgage 101" session with me and went through my options in a very detailed fashion. He gave me lots of good information and he was extremely patient with me throughout the process. When it was finally time to buy, he ended up getting me a great deal on a mortgage. I wouldn't even consider going to anyone other... read moreWorking with Vic was seamless. As a first time home buyer, Vic helped me through the entire mortgage process. He held a "Mortgage 101" session with me and went through my options in a very detailed fashion. He gave me lots of good information and he was extremely patient with me throughout the process. When it was finally time to buy, he ended up getting me a great deal on a mortgage. I wouldn't even consider going to anyone other than Vic for mortgages or refinancing. read less

I had the pleasure of working with Vic as my mortgage broker, and I cannot recommend them highly enough. From start to finish, they provided exceptional service and support throughout the entire home buying process.His expertise and knowledge of the industry were evident from the very beginning. He took the time to understand my unique financial situation and helped me to navigate the many different mortgage options available to me. His team were always available to answer any questions... read moreI had the pleasure of working with Vic as my mortgage broker, and I cannot recommend them highly enough. From start to finish, they provided exceptional service and support throughout the entire home buying process.His expertise and knowledge of the industry were evident from the very beginning. He took the time to understand my unique financial situation and helped me to navigate the many different mortgage options available to me. His team were always available to answer any questions I had and provided clear and concise explanations every step of the way.I highly recommend Vic to anyone who is in need of a mortgage consultant. His work ethic and dedication shows he really cares about his clients. read less

Vic assisted me last year when I was buying my first home and he is AMAZING. He's a straight shooter and works extensively to honestly get you the best deal he can. Vic is always available, responds quickly to questions, and gets the job done just as fast as he answers questions. I consider myself very fortunate to have worked with him. Highly recommended!

We have worked with Vic since 2015 when we stumbled with his office’s number and called him. Best decision ever. He is a dedicated professional who is able to handle all the phone calls at the same time he answers clients questions, from different communications platforms he has, to make himself available in like 6 times zones. He has the best products in the market and is passionate about informing his clients with the right decisions. Please subscribe to... read moreWe have worked with Vic since 2015 when we stumbled with his office’s number and called him. Best decision ever. He is a dedicated professional who is able to handle all the phone calls at the same time he answers clients questions, from different communications platforms he has, to make himself available in like 6 times zones. He has the best products in the market and is passionate about informing his clients with the right decisions. Please subscribe to his mail newsletter too! We are happy to know him read less