Reviews

As first-time home buyers, my wife and I knew very little about the home buying process, but we knew Vic was our guy the moment we met with him.  He's honest and straight to the point. Vic was a pleasure... read moreAs first-time home buyers, my wife and I knew very little about the home buying process, but we knew Vic was our guy the moment we met with him.  He's honest and straight to the point. Vic was a pleasure to work with and helped walk us through all the steps to successfully move through the loan process. We would highly recommend his service to any one looking for a home mortgage consultant. read less

Just closed on our second refinance with Vic's capable assistance.

In this case, Vic contacted us proactively to let us know that interest rates had dropped, and that we could refinance with considerable savings on our monthly payment. We gave... read moreJust closed on our second refinance with Vic's capable assistance.

In this case, Vic contacted us proactively to let us know that interest rates had dropped, and that we could refinance with considerable savings on our monthly payment. We gave Vic the go-ahead, and everything moved quickly and painlessly from there.

I highly recommend Vic for his professional skills, attentiveness, and good humor. read less

Vic Joshi is the most knowledgeable, kind, and personable person I have done business with in financing a home.

Sincerely, Mack H Williams

First Time Home Buyer, Vic was a pleasure to work with and helped walk us through all the steps to successfully move through the loan process. I would highly recommend his service to any one looking for a home mortgage consultant.

This is my third time refinancing with Vic. As usual, Vic provides a variety of options and makes the process as painless as possible. Great experience.

This is my third time refinancing with Vic. Vic provides all options upfront and makes the process as painless as possible. Great experience.

I cannot say enough great things about Vic. I had a free consultation with Vic “Mortgage 101” to take a look at our financial scenario. Vic explained all of our options and what is possible in our current situation. I... read moreI cannot say enough great things about Vic. I had a free consultation with Vic “Mortgage 101” to take a look at our financial scenario. Vic explained all of our options and what is possible in our current situation. I had no Idea that based on your income you can potentially qualify for an interest rate as low as 1%. That really gives my husband and I hope in this expensive East Bay market. And if it ever gets too expensive to buy in the Bay we are still planning on using Vic since he is also licensed in Oregon and Washington. read less

I cannot say enough great things about Vic. I had a free consultation with Vic "Mortgage 101" to take a look at our financial scenario. Vic explained all of our options and what is possible in our current situation. I... read moreI cannot say enough great things about Vic. I had a free consultation with Vic "Mortgage 101" to take a look at our financial scenario. Vic explained all of our options and what is possible in our current situation. I had no Idea that based on your income you can potentially qualify for an interest rate as low as 1%. That really gave me and my husband hope in this expensive Oakland market. Thank you Vic. read less

To anyone who is thinking about purchasing a home, look no further, Vic is your guy. He is hands-down the most informative and knowledgeable mortgage consultant, and most importantly TRUSTWORTHY and HONEST.

We had a somewhat tumultuous journey selling and... read moreTo anyone who is thinking about purchasing a home, look no further, Vic is your guy. He is hands-down the most informative and knowledgeable mortgage consultant, and most importantly TRUSTWORTHY and HONEST.

We had a somewhat tumultuous journey selling and buying a home at the same time, and Vic was a true ally throughout the whole process. He does not push product, and he really urges you to make a decision that you are comfortable with.

He's a seasoned veteran and amazing at what he does. We trust him and the advice he gives. He's a great guy that watches out for the interest of his clients and we are so happy that we were lucky enough to work with him. HIGHLY recommend!! read less

Excellent transaction! This was my second experience with Vic. He is very professional and I will do business with him again and again!

I hired Viral as a loan consultant in the late 90s the first time I met him. Not only was he a self starter and huge producer, he turned out to be a phenomenal guy to work with. People love... read moreI hired Viral as a loan consultant in the late 90s the first time I met him. Not only was he a self starter and huge producer, he turned out to be a phenomenal guy to work with. People love him and he is extremely knowledgeable about the mortgage industry. We have become good friends over the years. Viral is what we refer to as a straight shooter. He will tell you the truth, and trust me, we won't sugarcoat it. I highly recommend Vic Joshi. read less

Vic Joshi was clear, knowledgeable and responsive. When I had questions, he answered them immediately. My new loan went through without any problems. I recommend him highly.

As a first time home buyer, naturally, the loan process intimidated me.  Luckily, I found Vic and the entire process was easy, stress free and low pressure.  He met with me and explained all the odds and ends of the... read moreAs a first time home buyer, naturally, the loan process intimidated me.  Luckily, I found Vic and the entire process was easy, stress free and low pressure.  He met with me and explained all the odds and ends of the loan process, and made sure I was aware of all my options related to down payment, interest rates, PMI, etc.  He's easy to contact, and kept me in the loop throughout the entire process, it couldn't have been easier.

Buying a house in the Bay Area is wild, and I couldn't be more grateful to Vic for making me feel comfortable.  He'll have your back from start to finish.  If you're looking for a mortgage broker, look no further. read less

Vic is one of the best! I have worked very closely with him and Althea on several deals. Though every step of the way, they hit it out of the park. Vic is clever, brutally honest and a consummate professional... read moreVic is one of the best! I have worked very closely with him and Althea on several deals. Though every step of the way, they hit it out of the park. Vic is clever, brutally honest and a consummate professional when it comes to closing loans. Even though Vic has a ton of experience, that isn’t the main reason I like to work with him. The biggest reason I like doing business with him is that he is a man of his word. He will always tell you exactly what’s going on – without any spin. Because of this, I’ve enjoyed working with him tremendously. As he is a broker, he also has access to lots of options that other lenders may not. That’s a tremendous advantage when you’re dealing with any clients that may be slightly outside of the norm. I’d encourage everyone to make Vic a part of their team – you will be glad you did. ;~) read less

Vic is one of the best! I have worked very closely with him and Althea on several deals. Though every step of the way, they hit it out of the park. Vic is clever, brutally honest and a consummate professional... read moreVic is one of the best! I have worked very closely with him and Althea on several deals. Though every step of the way, they hit it out of the park. Vic is clever, brutally honest and a consummate professional when it comes to closing loans. Even though Vic has a ton of experience, that isn't the main reason I like to work with him. The biggest reason I like doing business with him is that he is a man of his word. He will always tell you exactly what's going on - without any spin. Because of this, I've enjoyed working with him tremendously. As he is a broker, he also has access to lots of options that other lenders may not. That's a tremendous advantage when you're dealing with any clients that may be slightly outside of the norm. I'd encourage everyone to make Vic a part of their team - you will be glad you did. ;~) read less

Vic is super competent and highly professional, but he's also easy to talk to and has a good sense of humor. Easy choice... go with Vic!

Vic is super competent and highly professional, but he's also easy to talk to and has a good sense of humor. Easy choice... go with Vic!

Vic Joshi knows literally everything about mortgage loans, and I saw how driven he was to help me buy without getting taken advantage of. As a homeowner who got burned in the housing crash, I was really nervous about the... read moreVic Joshi knows literally everything about mortgage loans, and I saw how driven he was to help me buy without getting taken advantage of. As a homeowner who got burned in the housing crash, I was really nervous about the whole process. But he was on top of the details from beginning to end and worked hard to get me the loan I needed to qualify as self-employed. You've got to talk to Vic before you do any of that online stuff! He's the best. read less