Stay current on ever-changing mortgage rates and hear our rate predictions on Vic’s REAL Mortgage Advice℠ blog.
UltraFICO Helps Millennial Home Buyers
UltraFICO Credit Scoring Helps Millennial Home Buyers Are you a millennial? Or concerned about the financial wellbeing [...]
Historically Low First Mortgage Rates
Rates at 30 Year Low This week, mortgage rates for conforming, single-unit, residential properties have come back down to [...]
Mortgage Broker vs. Mortgage Consultant: What’s the Difference?
Mortgage Lending Roles Mortgage lending has its own vocabulary that can be confusing for buyers, especially first time home [...]
COVID-19 and Mortgage Loans
Link Between COVID-19 & Mortgage Loans As the COVID-19 shelter-in-place directive is impacting all areas in our society and [...]
Health, Community, & Finance
Unprecedented Disruption All of us right now are experiencing unprecedented health, social and market disruptions and are directly impacted [...]
Crazy Time Mortgage Rate Lows
Hi Friends, This is a CRAZY time for everyone and for many reasons, but also especially in the mortgage [...]
Vic Joshi Top Producer Awards
Top Producer Awards for 2019 & 2020! C2 Financial has been the largest mortgage broker in the country for [...]
Loans for First Time Buyers + Current Rates
Hello, friends. Here's my monthly update on the outlook for current rates in general, but first — information about [...]
Tough Loan Cases + Current Rates
The Maze of Tough Loan Cases I recently closed a very difficult transaction that, if any number of lenders [...]
Loans for Self-Employed + Current Rates
Here's my monthly update on the outlook for current rates in general, but first — news about loans for [...]
Loans for Seniors & Veterans + Current Rates
I have news this month on loans for seniors and veterans, but first let's look at the overall outlook [...]
An Ethical Business Story
I'd like to share something that happened to me this past week that will help explain how ethical business practices [...]
Refinancing Goes Nuts!
Fed Cuts Rate and Refinancing Goes Nuts! The Federal Reserve cut their target interest rate, the Fed Funds, by [...]
Mortgage Refinance Opportunity
Hello Friends, here's my market rates email list update for August 2019. Federal Reserve Rate Cut The Federal Reserve [...]
HELOC vs. Refinance
HELOC vs. refinance: Which is better for a cash-out loan? Is a home equity line of credit (HELOC) or a [...]
What Are Closing Costs?
First Time Home Buyers Guide to Closing Costs You have your downpayment. Great. You are ready to close the deal [...]
What’s the Deal with Redfin Mortgage?
DIY Mortgage Loans A lot of people ask us why they should bother with using a real estate broker as [...]
Need Help With a Mortgage Loan?
Hello, friends. I'm here to educate homebuyers and guide them through the mortgage loan process to get them the best [...]
Mortgage Rates & SCUBA Diving
December Stock Market Corrections The corrections in the stock market to end 2018 rolled into the beginning of 2019. [...]
2019 New Year Mortgage Rates
Rocky December 2018 We ended 2018 with lots of volatility in the stock market which did help improve mortgage interest [...]
Mortgage Rate Seesaw
Hello, friends. We are in a new higher interest rate environment and are heading even higher going into 2019 and [...]
Tips for First Time Home Buyers
Buying your first home is a momentous time in most people's lives. Here are some tips for first time home [...]
Trump Impact on Mortgage Lending
When Donald Trump was voted in as the next president of the United States in 2016, the markets perceived that [...]
Shining a Light on Mortgage Lending
I'm Vic Joshi, a mortgage broker with C2 Financial, shining a light on mortgage lending with my revamped website. I [...]