Alameda Home Loans

This bay area waterfront  is having a housing boom!
San Francisco Chronicle

As a result of its small town vibe and easy access to the greater San Francisco Bay Area, home sales and purchases have become very competitive. To get the  home loan you need in this market, it is especially important to get the advice of an experienced mortgage consultant, who hasthe resources to find the right rate with the right lender for your Alameda real estate transaction.

First Time Home Buyer

If you are a first time home buyer, Vic Joshi and his team are great sources of support to help you buy a home in Alameda without getting taken advantage of by banks whose highest priority is not your financial success, but theirs. If you can lower your interest rate by even one point, it can mean a much lower payment for you monthly.


If you are a current homeowner ready to do a refinance, a lower rate might enable you to make extra payments to get your home totally paid off. Or you might take cash out of your home equity for renovation, college tuition or some other life priority. Many times we have refinanced homes with no closing costs out of pocket to the borrower.

No Cost Mortgage Consultations

Whatever your situation, Vic is here to guide you through your Alameda CA home loan process. His educational consultations and evaluation of your home buying situation are free.

Get Help with an Alameda Home Loan

Living in Alameda

Alameda California is a highly sought-after place to live in the San Francisco Bay area, a comfortable suburban city with a small town feel. Alameda scored an overall A grade by Niche, and an A+ rating in the areas of:

  • Nightlife
  • Diversity
  • Weather
  • Health & Fitness
With three bridges and ferry service, Alameda is just minutes from Oakland and within easy commute distance to San Francisco and the greater East Bay Area.

Alameda CA home loan

Alameda History

As you familiarize yourself with Alameda, you’ll notice streets named after its rich history.

The island of Alameda began as a peninsula where Native Americans, members of the Ohlone tribe, lived over 3,000 years ago. The naturally mild climate and fresh water along with abundant acorns, game, and oysters made Alameda an attractive place to live. The natural marshlands attracted birds that provided a ready supply of eggs, and native willow trees provided the branches they used to build their homes.

In the 1700s, the Spanish arrived and claimed Alameda, spelling an end to Native American culture. The Spanishfter convert them to Christianity, then herded native men, women, and children onto mission property, where they were treated as slaves. Native Americans who the Spanish did not capture or kill either died from the diseases the Spanish brought with them or they fled inland.

In the 1800s the City of Alameda, described by Mark Twain as “The Garden of California,” was founded.

In the 1900s, the Naval Air Station at Alameda Point was built, and the U.S. Navy became a major presence on the island. The famous Neptune Beach Resort was built in the area now known as Crab Cove. Neptune Beach was a major attraction in the Bay Area, often compared to Coney Island, for 20 years until the Depression. Both the American snow cone and the popsicle were first created by the original owners of the resort, the Strehlow family. Willie Stargell, the Major League Baseball great and Baseball Hall of Famer, went to high school here.

Alameda California Aerial View

Image source: Wikimedia Commons

Alameda Now

Since then, the Naval Station has been decommissioned and the property conveyed to the City of Alameda for civilian development as Alameda Point. The US Veterans Administration proposed construction of a $209 million state-of-the-art facility there that would provide primary care, specialty care, and mental health, substance abuse, and other services.

Alameda is now home to a diverse population with a variety of recreational opportunities like

  • marinas, yacht harbors, and miles of walkable beaches
  • kite surfing, windsurfing, golf, and an award-winning America’s Cup racing team
  • artisan distilleries, breweries, wineries, and tasting rooms
  • a theater, playhouse, and movie filming sites
  • historic homes on the National Register
Alameda California Marina
Photo source: Linda Phillips Blue