Happy clients make my day! Your trust in me to help you through the mortgage and home buying process means everything, and I’m honored to do it. If you have closed a home loan with me and would like to share your story, please help me build my business by writing a review.

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5 Stars - Based on 73 Reviews
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5 Stars - Based on 14 Reviews
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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.

David P. Avatar
David P.
2021-10-13

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!!

William R. Avatar
William R.
2021-10-13

5 star ratingI'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!

David P. Avatar
David P.
2021-10-13

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!

Hannah P. Avatar
Hannah P.
2021-09-23

5 star ratingVic 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!

Hannah P. Avatar
Hannah P.
2021-09-23

5 star ratingNot 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 more

Edward P. Avatar
Edward P.
2021-08-23

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 more

Ana B. Avatar
Ana B.
2021-08-14

5 star ratingVic 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.

Benjamin M. Avatar
Benjamin M.
2021-08-07

5 star ratingVick 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 more

Yaseen A. Avatar
Yaseen A.
2021-07-26

5 star ratingVic 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.

Avo C. Avatar
Avo C.
2021-06-14

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

Constance S. Avatar
Constance S.
2021-05-13

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!

Mark W. Avatar
Mark W.
2021-05-12

5 star ratingThis 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!

Mark W. Avatar
Mark W.
2021-05-12

Working with Vic and his team were an absolute pleasure. They were attentive, responsive and professional. I think they got us a very good refinance rate as well. Refinancing is not fun but they made it relatively painless. I highly recommend him!

Jim G. Avatar
Jim G.
2021-05-03

5 star ratingThank you for putting up extra time, effort and your sincerity making sure that we are making the right decision. Your great work for us resulted us our first home.

Elms V. Avatar
Elms V.
2021-04-27

5 star ratingVic Joshi is accessible, personable and effective in helping me in acquiring a lender and closing an escrow within 3 weeks. I previously worked for a week with another mortgage broker who was not accessible and planned to charge me $8000 in closing fees. Once I reached out to Vic within a few days he found a lender with a large positive credit and I closed my escrow with no closing fees. I appreciate that Vic is accessible after 5... read more

Frank C. Avatar
Frank C.
2021-04-11

Our family has used Vic Joshi Mortgage twice to refinance our current home. He is knowledgeable, accessible, and personable. I have to say that the other mortgage companies we worked with made us feel like numbers and didn’t advise us in the same caring manner Vic has. We never thought that he was working for himself, on several occasions suggesting that we wait or not to refi at that moment. Without a doubt, he was always looking out for... read more

Joe L. Avatar
Joe L.
2021-03-24

5 star ratingOur family has used Vic Joshi Mortgage twice to refinance our current home. He is knowledgeable, accessible, and personable. I have to say that the other mortgage companies we worked with made us feel like numbers and didn't advise us in the same caring manner Vic has. We never thought that he was working for himself, on several occasions suggesting that we wait or not to refi at that moment. Without a doubt, he was always looking out for... read more

Joe L. Avatar
Joe L.
2021-03-24

If you are looking for a company and lender to work with, look no further! As an Active Duty overseas couple looking to buy a home stateside Vic was a lifesaver! I would give Vic and his team 5 out of 5 stars! He has been amazing to work with. Down to earth, friendly, and professional, Vic made finding a good deal easy. We were taken care of every step of the way and with the best rates the market... read more

alexandra a. Avatar
alexandra a.
2021-03-23

5 star ratingViral Joshi is the kind of guy everybody would want to work with, but you think is not out there.He knows his stuff, is honest with you and is a tireless worker. He answers his own phone... who DOES that? Or, if he's not there, gets right back to me.Viral takes a lot of pride in serving his clients well and it shows. He knows his business inside out and is happy to explain anything I ask about... sometimes with... read more

Janet P. Avatar
Janet P.
2021-02-17

5 star ratingC2 Financial got us a better rate with better terms than everyone else we talked to. It took a lot longer than expected but Vic and his team we on top of it the whole way and pushed it over the goal line in the end.

Balo N. Avatar
Balo N.
2021-02-16

5 star ratingWorking with Vic was just terrific. This was my first refi and Vic was incredibly patient in explaining all the details so I could fully understand my options. He was quick to respond to all my questions and I feel I was able to select the best way forward for my particular financial situation. Also a shout out to Althea and the rest of the team for their wonderful patience and help.

Phylece S. Avatar
Phylece S.
2021-02-13

Vic was wonderful to work with. I highly recommend him. He was responsive, professional and he did everything he could to find us the best rate and program for our refi. If you were thinking about refinancing or if you need to get a mortgage, contact Vic!!!

RC S. Avatar
RC S.
2021-02-08

5 star ratingVic and his team were referred to me by a friend. My refi journey was quite long due to the current economic situation. However, Vic and his team possess a stellar combination of smarts, an incredibly strong work ethic, and persistence which resulted in a successfully executed refinance. They always kept me posted on timing, patiently guided me through a complex process and rapidly responded to my questions and thoughts. I felt as if Vic and his team truly cared... read more

Kai B. Avatar
Kai B.
2021-01-31

Vic and his assistant Althea were easy to work with. They streamlined the process for us, and our refinance went through completely easily. Great to have a new fixed-rate mortgage under 3%.

Nina M. Avatar
Nina M.
2021-01-27

5 star ratingVic is the best mortgage broker I've worked with. Fast, honest, transparent, and accessible. I would work with him again.

Amir A. Avatar
Amir A.
2021-01-26

We had an amazingly smooth and successful experience working with Vic during the purchase of our home. We were first referred to Vic over 5 years ago through one of our best friends. Vic explained the loan application process and had us prequalified easily for our first home offer that we, fortunately, did not end up buying. When we found our dream home in December of 2020, we reached out to Vic again, and despite him being amid packing for... read more

Camille N. Avatar
Camille N.
2021-01-19

5 star ratingWe had an amazingly smooth and successful experience working with Vic during the purchase of our home. We were first referred to Vic over 5 years ago through one of our best friends. Vic explained the loan application process and had us prequalified easily for our first home offer that we, fortunately, did not end up buying. When we found our dream home in December of 2020, we reached out to Vic again, and despite him being amid packing for... read more

Camille N. Avatar
Camille N.
2021-01-18

We were able to refinance our home with Vic Joshi and he was outstanding. He was extremely patient, informed, and accessible to answer all of our questions. We were able to get the information needed to make an informed decision on the best terms for us.

Joel R. Avatar
Joel R.
2020-12-29

5 star ratingWe were able to refinance our home with Vic Joshi and he was outstanding. He was extremely patient, informed, and accessible to answer all of our questions. We were able to get the information needed to make an informed decision on the best terms for us.

J. V. Avatar
J. V.
2020-12-28

I can't speak highly enough of my experience working with Vic and his team on a refi that closed early this month. (He was referred to me by friends he helped with their first home purchase, also recently.) Vic provides fantastic rate comparison spreadsheets that lay out loans of various lengths with no or various points, which helped me to consider my options and get exactly what I wanted. He gave me very sage advice that I am glad... read more

Laura L. Avatar
Laura L.
2020-12-19

5 star ratingVic was extremely helpful. He walked me through the whole process and explained everything in detail. He would answer all my calls or get back to me quickly. Highly recommended. I don't usually write reviews, but I wanted to show my appreciation to Vic.

Angel Z. Avatar
Angel Z.
2020-12-18

5 star ratingVic and his team are stellar. This is our third time working with them and they are clear in their communication, quick to reply and eager to help. He was referred to us by our realtor and it is very clear why! The whole team goes above an beyond to make sure we understand all of the legal and financial details, where we are in the process and when things will start and finish. We cannot recommend them more!

Chia C. Avatar
Chia C.
2020-12-09

I had such a great experience working with Vic and his loan processor, Althea. Vic was super busy at the time because everyone is refinancing, but always picked up the phone and had time to explain things and discuss options. Communication was clear and concise from both Vic and Althea, they were both helpful and friendly, and they both worked very hard to get our loan processed in lightening speed. I never thought I'd have such a great experience with... read more

Hara S. Avatar
Hara S.
2020-11-02

5 star ratingThis review is long overdue. Vic and his associates helped us get our mortgage in July 2020. Vic was professional, prompt in getting back to us with answers to our questions, and he was very transparent. I really appreciated how Vic took the time to explain the process and make it very clear that he had our best interests at the center of everything. There a few glitches at the end, as we had to adjust... read more

Samantha B. Avatar
Samantha B.
2020-10-27

Vic is so good at what he's doing. He actively watches the marker, which means he'll tell you when would be the best time to lock in your rate. I'm beyond happy with his service.

Lynn N. Avatar
Lynn N.
2020-10-26

5 star ratingVic and his team are incredible. We had the best luck with him in purchasing our new home as well as refinancing two times. We are so grateful that we know we can trust his advice and his follow-through - as well as the follow-through of his team - which is always exceptional. We feel very lucky to work with Vic and feel very very lucky to benefit from his smart professional and knowledgeable practices. A true gem of a person!

Megan B. Avatar
Megan B.
2020-10-21

Vic and his team are the best, both professional andcaring in guiding my loan application process during COVID-19.They gave me great suggestions in preparing documents and providedtimely updates on home loan interest rates for lock in.Due to leased land conditions, there are much fewer lendersout there. Vic has the superb expertise to make it all work out nicely.I've had 4 loans done through Vic in the past. In spite of the difficultiesduring the pandemic, he completed another one for... read more

Jack X. Avatar
Jack X.
2020-10-16

5 star ratingVic and his team are the best, both professional and caring in guiding my loan application process during COVID-19. They gave me great suggestions in preparing documents and provided timely updates on home loan interest rates for lock in. Due to leased land conditions, there are much fewer lenders out there. Vic has the superb expertise to make it all work out nicely. I've had 4 loans done through Vic in the past. In spite of the difficulties... read more

Jack X. Avatar
Jack X.
2020-10-16

Vic and his associates are awesome! Smart, efficient, professional, and really nice folks. I just completed a cash out refinance of my non-owner occupied 4 plex with Vic. This was a loan that NO ONE wanted to write. My existing loan was with Chase and they wouldn't touch it, B of A, Wells, Rocket, nope.I ultimately found a group from the North Bay who said they would write it but when I got their numbers it... read more

Steve M. Avatar
Steve M.
2020-10-12