Getting a Home Loan in Oakland

Admittedly, the entire San Francisco Bay Area’s housing market is competitive. But Fortune Builders reports on 2022 Oakland real estate and market trends said that despite recent increases in the Oakland real estate market, median home values there are considerably less than surrounding areas. When we look at recent stats, the December 2022 median home price was only slightly higher than in December 2019.

To get the best home loan possible in this market, you’ll need an experienced mortgage consultant. Vic Joshi is happy to arm you with education about the mortgage loan process and use his resources to find the best rate with the best lender for your Oakland real estate transaction.

First Time Home Buyer

If you are a first time home buyer, Vic and his team are great sources of support to help you secure an Oakland mortgage loan. You’ll get his generous educational consultation and be armed with good information so you can make the best decisions. You can head start by reading About Mortgage Loans where you’ll learn that the banks’ 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 property owner ready for 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.