Insights from Viral (Vic) Joshi on his experience as a mortgage consultant for decades, his love for scuba diving, the Warriors, and more!
The Indonesia SCUBA dive trip was a huge success! We were in North Sulawesi on the Islands of Bunaken, Bangka, and Lembeh. The amount of biodiversity in the oceans around these islands is staggering. Every coral field seems endless with [...]
They grow up fast! This holiday season I was fortunate to spend some time with my only child, my daughter Savita, who lives in Berlin, Germany. She is finishing her master’s degree in journalism at an international university in [...]
Still Waiting Mortgage interest rates have yet to make a significant move lower because the inflation numbers haven’t decreased enough to create more demand in the bond market. I had been hoping for rates to improve after the 5/10/23 [...]
Home Buying Is Up Hi Friends, As mortgage interest rates have started to fall with inflation in the first quarter of this year, I have experienced an increase in home buyer activity and mortgage applications. The recent slight dip [...]
Difficult Loan Situations Hi Friends, One of the most gratifying experiences I have, doing the work I do, is to help people in need purchase property despite the many obstacles that arise during a real estate transaction. During my [...]
Family Ties Hi Friends, I have recently returned from two weeks in Switzerland visiting my 83 year old mother who moved there in 2018 to live with two of her younger sisters at a nursing home the sisters operate [...]
Back from an Amazing SCUBA Trip Hi Friends I’m back from a much-needed break in the action after taking a sabbatical from new business that lasted from April 1 – June 19 of this year. During that time, I [...]
Markets Are Volatile Hi Friends, Mortgage interest rates have moved slightly lower since my last update, due to a decrease in the 10-year treasury and 30-year bond yields. As of April 16th, 2021, Rates were .25% lower than they [...]
After 12 Months of Historic Lows Hi Friends, Mortgage interest rates have continued to rise since my last update. Many of you who are watching the ten-year treasury bond yield already know that the party is over. After 12 [...]
Mortgage Rate Update Mortgage interest rates continue to be near the all-time low levels we have been experiencing since June of this year. Mortgage rates are still at historically low levels despite the FHFA (Federal Housing Finance Administration) refinance [...]
Mortgage Lending Roles Mortgage lending has its own vocabulary that can be confusing for buyers, especially first time home buyers researching how to get a good mortgage loan. People often ask how to compare mortgage brokers vs. mortgage consultants [...]
Unprecedented Disruption All of us right now are experiencing unprecedented health, social and market disruptions and are directly impacted by the frequent changes and uncertainty. What started as and continues to be a global health crisis has quickly added [...]
Top Producer Awards for 2019 & 2020! During my years as a mortgage consultant with C2 Financial, I beat a personal record with these top producer awards — all thanks to you, my clients! 2019: #1 C2 Financial agent [...]
I'd like to share something that happened to me this past week that will help explain how ethical business practices extend to others in my industry, not just borrowers. I got a call from a potential borrower who wanted to [...]
December Stock Market Corrections The corrections in the stock market to end 2018 rolled into the beginning of 2019. This helped push money into the bond market, which resulted in lower mortgage interest rates to start in 2019. The [...]
I'm Vic Joshi, a mortgage consultantl, shining a light on mortgage lending with my revamped website. I took on this project to give my home buying clients better online guidance and reference material as they start their searches for a [...]
