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Vic Joshi REAL Mortgage Advice®
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  • Home
  • Home Buyers
    • Buy Your First Home
    • Buyer Success Stories
  • Home Owners
    • Refinance Your Home Loan
  • About Mortgage Loans
    • How the Loan Process Works
    • Why Get Pre-Approved
    • Mortgage Loan Products
    • Mortgage Calculator
    • Get a Rate Quote
    • Start Your Loan Application
  • About Vic
    • Reviews
    • C2 Financial Corporation
    • Local Service Area
    • Blog
  • Contact
  • Home
  • Home Buyers
    • Buy Your First Home
    • Buyer Success Stories
  • Home Owners
    • Refinance Your Home Loan
  • About Mortgage Loans
    • How the Loan Process Works
    • Why Get Pre-Approved
    • Mortgage Loan Products
    • Mortgage Calculator
    • Get a Rate Quote
    • Start Your Loan Application
  • About Vic
    • Reviews
    • C2 Financial Corporation
    • Local Service Area
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  • Contact

covid-19

  • what goes down must come up

What Goes Down Must Come Up

By Viral "Vic" Joshi|2021-12-26T23:05:57-08:00December 26th, 2021|Categories: First Time Home Buyer, Mortgage Rates, Refinance|Tags: covid-19, inflation, pandemic, The Fed|

Inflation Rising Hi Friends, December 2021 saw mortgage rates continue to be pressured higher due to persistent inflation in the markets. The annual inflation rate increased over 6% in November 2021, which is three times the Federal Reserve’s desired [...]

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  • mortgage rates in uncharted waters

Mortgage Rates in Uncharted Waters

By Viral "Vic" Joshi|2020-10-19T17:31:11-07:00October 19th, 2020|Categories: Mortgage Loans, Mortgage Rates, Refinance|Tags: covid-19, FHFA, jumbo loans|

Refinance Fee Hike Increases Rates Mortgage interest rates continue to be near the all-time low levels we have continued to experience since June of this year. Mortgage rates are still at historically low levels despite the Federal Housing Finance [...]

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  • profiting from coronavirus crisis

Profiting from the Coronavirus Crisis?

By Viral "Vic" Joshi|2020-10-19T16:33:08-07:00August 25th, 2020|Categories: Mortgage Rates, Refinance|Tags: coronavirus, covid-19, Fannie Mae, Freddie Mac, refinance|

Low Mortgage Rates During Economic Crisis Mortgage interest rates continue to be near the all-time low levels we have been experiencing since June of this year. In the first week of August, rates bottomed out, ending the run on [...]

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  • Historically low first mortgage rates

Historically Low First Mortgage Rates

By Viral "Vic" Joshi|2020-05-25T21:47:33-07:00May 21st, 2020|Categories: First Time Home Buyer, Mortgage Rates, Refinance|Tags: covid-19, recession, The Fed|

Rates at 30 Year Low This week, mortgage rates for conforming, single-unit, residential properties have come back down to the lowest levels in three decades, with some borrowers being able to lock and close 30-year fixed-rate loans at 3% [...]

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  • forbearance, COVID-19 and mortgage loans

COVID-19 and Mortgage Loans

By Viral "Vic" Joshi|2020-05-17T14:33:30-07:00April 22nd, 2020|Categories: Mortgage Loans, Mortgage Rates, Refinance|Tags: conforming loans, covid-19, forbearance|

Link Between COVID-19 & Mortgage Loans As the COVID-19 shelter-in-place directive is impacting all areas in our society and the global society at large, the effects are being felt in the mortgage markets as well. Mortgage interest rates that [...]

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Categories

Service Area

Our local service area for home mortgage loans includes California, Colorado, Florida, Hawaii, Oregon, Texas, & Washington.

Why Vic Joshi?

  • Lifelong SF Bay Area resident
  • Based in Oakland, SF East Bay Area
  • Award-winning home loan consultant
  • 20+ years in the mortgage industry
  • 20+ years licensed CA real estate agent
  • Dedicated to client success through education & personal guidance

The C2 Financial Advantage

  • C2 Financial Corporation is based in California, the largest mortgage broker in CA and the U.S.
  • Relationships with over 100 lenders
  • Preferred lender pricing and service

Connect

Viral Vic Joshi Loan Consultant BBB Business Review

Map

Contact Vic

(510) 655-2868 (office)
(510) 853-2407 (cell)
(510) 291-2824 (fax)
viral@vicjoshi.com

My Office – By Appointment Only

Viral “Vic” Joshi, Mortgage Consultant
C2 Financial Corporation
4811 Telegraph Avenue, Suite #511
Oakland CA 94609

Hours

Monday – Friday 8AM – 6PM

Or by appointment after hours

Policies

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Copyright © 2018-2022 Vic Joshi REAL Mortgage Advice® NMLS #244388, DRE #01242935. Privacy Policy.

  • This licensee is performing acts for which a real estate license is required.
  • C2 Financial Corporation is licensed by the California Department of Real Estate, Broker 01821025; Colorado Division of Real Estate; Florida Office of Financial Regulation, OFR MBR3519 ; Hawaii Department of Financial Institutions, Broker HI-135622; Oregon Division of Finance, DFR ML-4917; Texas Department of Savings and Mortgage Lending, NMLS 135622; Washington Office Department of Financial Institutions, DFI CL-135622; NMLS 135622, with headquarters at 10509 Vista Sorrento Pkwy #400, San Diego, CA 92121.
  • Loan approval is not guaranteed and is subject to lender review of information.
  • All loan approvals are conditional and all conditions must be met by borrower.
  • Loan is only approved when lender has issued approval in writing and is subject to the Lender conditions.
  • Specified rates may not be available for all borrowers.
  • Rates are subject to change with market conditions.
  • C2 Financial Corporation is an Equal Opportunity Mortgage Broker/Lender.
  • The services referred to herein are not available to persons located outside the state of CA, CO, FL, HI, OR, TX and WA.
  • C2 Financial Corporation has the ability to broker VA loans based on their relationship with VA approved lenders. C2 Financial Corporation is not acting on behalf of or at the direction of HUD/FHA or the VA. Texas Complaint/Recovery Fund Notice
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