I’m Vic Joshi, a mortgage broker with C2 Financial, 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 mortgage loan.

I have over twenty years of experience in the mortgage industry and I have been a licensed real estate agent since 1998. More about Vic Joshi »

The Most Important Thing Home Buyers Need to Know

I work under two basic premises:

#1 Mortgage lending makes no common sense.
There are series of arbitrary rules and guidelines that mortgage lenders and underwriters publish. To get the lender to fund the loan, a borrower has to simply meet those guidelines.

#2 The underwriter’s and the lender’s job is actually to kill your loan.
Banks don’t tell you this, but they are not in the business of making loans; they’re in the business of killing loans.

This makes reaching your goal of getting the best loan for your situation much more difficult! But that’s where I come in.

The whole purpose of working with a mortgage lender or broker is to engage someone who can figure out how to prevent the lender and the underwriter from killing your loan.

Educating Borrowers

I give out free information, all day every day. That’s my business model. If I transact with you, only then will I get paid a commission — one that the lender will pay, and that will be incorporated on their end into any quotes that I provide.

For first time home buyers and other types of buyers who are new to the mortgage process, I offer a series of Mortgage 101 sessions, in person or over the phone, to bring each individual up to speed. Part of the process that is important is educa