Nice to Meet You!

I’m Vic Joshi, a native Bay Area resident and an independent home loan expert helping home buyers and investors with mortgage loans for over 25 years. I work with C2 Financial Corporation, the largest mortgage broker in California and the U.S., where I have access to over 100 lenders. I have access to nearly every available mortgage loan product available including FHA, VA, USDA, Non-Qm, Reverse Mortgage, and over 50 Jumbo lenders.

I work out of my penthouse office overlooking Oakland, California, and I’m currently licensed in California, Hawaii, Oregon, Washington, Colorado, Texas, and Florida. I’m a national award-winning loan originator, acknowledged by several organizations who are respected in our industry. More about me here…

Invitation to Realtors

We both know that mortgage lending as it exists today has rules that make no sense. The mortgage process can be exhausting for clients, especially for first-time home buyers who don’t know where to turn for information or how to make decisions on one of the biggest financial transactions of their lives.

I’d like to form working relationships with a select group of
realtors who share my values and work ethic
to help clients create the best home loan experience possible. I currently work with a few realtors in my home San Francisco Bay Area regularly, but I’d like to build working relationships in more areas where I’m licensed.

My goal is to create comfortable and efficient working relationships with a few listing and buying agents who I can work with to make the home buying process the best it can be for our mutual clients.

Vic Joshi Mortgage

Secret of My Success

To boil it down as simply as possible, here are the qualities I bring that will help make your real estate client’s mortgage experience one they’ll remember you for.

  • Fast close
    I can close loans in 15-21 days and in many cases and can help home buyers write offers without requiring a loan or appraisal contingency.
  • Generous availability
    I work well beyond bank hours and am generally available until late evening during the week and on the weekends. I try to be available when clients need me, when they themselves have odd working hours, their own commitments to work around, and for those who live in other time zones.
  • Patient guide
    As you’ll see if you read my client reviews, I’m a patient guide for clients learning the ropes. I spend a generous amount of time with each one to educate them about the mortgage process, and I regularly publish helpful information for buyers online.
  • Driven to find the best deal
    I’m driven to find the best loan solution for home buyers, and as a result of my over 25 years in the industry, I’ve pretty much seen it all. I’ve become a Mortgage Whisperer who can bust through those difficult deals our clients sometimes present us with, and I pride myself on getting the best result possible for clients.
    See my Buyer Success Stories for examples…
  • Efficient under pressure
    Since I can perform the loan process from beginning to end myself, my offering is much more efficient and timelier than working through a bank that has an assembly line process where each part of the loan process is handled by a different people. I have become adept at working under pressure and deadlines so that I can usually perform at the last minute when needed.

5 star rating I have worked with Vic since 2015 when I stumbled with his office number and reached out to call him.... read more - Catheryn A. - 6/23/2022 

5 star rating Vic and his team are the best. Vic has helped me with two refinances and I knew I could... read more - Wendy S. - 6/13/2022 

5 star rating Best refinance experience possible. Efficient, compassionate, and thorough. Every step was clearly explained when necessary. A great team! Thank you, Vic. - maria p. - 6/01/2022 

Vic is a consummate professional, and does a great job making an arduous process for your borrower much better than... read more - John W. - 3/15/2022 

Vic, Althea and his team are awesome! They are very knowledgeable, responsible, and truly invested with their clients. They have... read more - Frank C. - 1/28/2022 

5 star rating Viral (Vic), Althea, and their team got me through a very complex refinance last year. The previous mortgage lender was... read more - Jennifer D. - 1/07/2022 

Interested in Joining Me?

If you’re a realtor interested in building an efficient, seamless operation that can provide our clients with the best home buying experience possible, please send me a note so we can arrange to talk.

Realtor partnerships
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