Vic’s “Real Mortgage Advice” Blog

Vic’s “Real Mortgage Advice” BlogViral "Vic" Joshi2019-02-08T19:13:05-08:00

Tough Loan Cases + Current Rates

By Viral "Vic" Joshi|2020-01-20T22:35:54-08:00January 20th, 2020|Categories: Mortgage Rates, Refinance|Tags: qualifying|

The Maze of Tough Loan Cases I recently closed [...]

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Loans for Self-Employed + Current Rates

By Viral "Vic" Joshi|2020-01-20T19:35:20-08:00January 3rd, 2020|Categories: Mortgage Rates, Self-Employed|Tags: bond rates, business cash flow, qualifying, stated income, The Fed|

Here's my monthly update on the outlook for current [...]

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Loans for Seniors & Veterans + Current Rates

By Viral "Vic" Joshi|2020-01-20T19:32:14-08:00November 19th, 2019|Categories: Mortgage Rates, Reverse Mortgage, VA Loans|Tags: seniors, veterans|

I have news this month on loans for seniors [...]

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An Ethical Business Story

By Viral "Vic" Joshi|2020-01-04T22:13:42-08:00October 27th, 2019|Categories: Mortgage Consultant, Refinance, Vic Joshi|Tags: mortgage broker, Vic Joshi|

I'd like to share something that happened to me this [...]

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Refinancing Goes Nuts!

By Viral "Vic" Joshi|2019-09-20T21:27:49-07:00September 20th, 2019|Categories: Mortgage Rates, Refinance|Tags: bond rates, real mortgage advice, The Fed|

Fed Cuts Rate and Refinancing Goes Nuts! The Federal [...]

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Mortgage Refinance Opportunity

By Viral "Vic" Joshi|2019-09-20T19:46:32-07:00August 1st, 2019|Categories: Refinance|Tags: recession, The Fed|

Hello Friends, here's my market rates email list update [...]

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HELOC vs. Refinance

By Viral "Vic" Joshi|2020-01-04T22:16:29-08:00July 7th, 2019|Categories: Mortgage Rates, Refinance|Tags: application fee, appraisal, cash-out, HELOC, qualifying, taxes|

HELOC vs. refinance: Which is better for a cash-out loan? [...]

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What Are Closing Costs?

By Viral "Vic" Joshi|2019-07-27T19:48:43-07:00May 19th, 2019|Categories: Closing Costs, First Time Home Buyer, Mortgage Loans|Tags: appraisal, escrow, impound account, inspection, insurance, nonrecurring closing costs, NRCC, PMI, prepaid items, private mortgage insurance, real mortgage advice, taxes|

First Time Home Buyers Guide to Closing Costs You have [...]

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What’s the Deal with Redfin Mortgage?

By Viral "Vic" Joshi|2020-01-04T22:26:24-08:00April 28th, 2019|Categories: Mortgage Loans|Tags: loan process, loan shopping, mortgage lender, real mortgage advice, Redfin|

DIY Mortgage Loans A lot of people ask us why [...]

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Need Help With a Mortgage Loan?

By Viral "Vic" Joshi|2019-03-03T01:41:53-08:00February 28th, 2019|Categories: Mortgage Loans|Tags: loan process, loan shopping, mortgage loan products, real mortgage advice|

Hello, friends. I'm here to educate homebuyers and guide them [...]

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Mortgage Rates & SCUBA Diving

By Viral "Vic" Joshi|2019-05-22T11:22:16-07:00January 31st, 2019|Categories: Mortgage Rates, Vic Joshi|Tags: mortgage rates, real mortgage advice, scuba diving, The Fed|

December Stock Market Corrections The corrections in the stock [...]

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2019 New Year Mortgage Rates

By Viral "Vic" Joshi|2019-05-22T11:22:28-07:00December 21st, 2018|Categories: First Time Home Buyer, Mortgage Rates|Tags: buyer's market, rate increases, real mortgage advice, The Fed|

Rocky December 2018 We ended 2018 with lots of volatility [...]