Business Details
29 Years
experience
Your Trusted Mortgage Partner in Oakland
Vic Joshi, Mortgage Consultant has been a trusted partner in the mortgage industry since 1997, dedicated to providing personalized guidance and expert advice to homebuyers, homeowners, and investors. Our founder, Viral 'Vic' Joshi, brings over 25 years of experience as a licensed mortgage consultant and real estate agent, combining deep industry knowledge with a commitment to client education. We specialize in demystifying the mortgage process through free Mortgage 101 consultations, empowering clients to make informed decisions tailored to their unique financial situations. Our services span loan origination, refinancing, VA loans, reverse mortgages, and solutions for complex scenarios like low credit scores or self-employment.Licensed in seven states and backed by a network of over 100 lenders, we prioritize fast closings, flexible availability, and a client-first approach. Recognized as a national award-winning loan originator, we pride ourselves on navigating industry complexities to secure the best possible outcomes for our clients. Our mission is to transform the mortgage experience into a transparent, stress-free journey while maintaining the highest standards of professionalism and integrity.
Services
Mortgage Loans
Refinancing
VA Loans
Reverse Mortgages
Home Equity Loans
First-Time Buyer Programs
Investor Loans
Self-Employed Mortgages
Foreign National Loans
Jumbo Loans
Details
- Year established: 1997
Highlights and features
- Award-winning mortgage consultant since 1997
- 25+ years in the mortgage industry
- Licensed real estate agent since 1998
- Fast loan closings in 15-21 days
- Expertise in complex loan scenarios
Associations and certifications
- NMLS
- DRE
What people say
Award-winning service
25+ years experience
Fast loan closings
Expert in complex cases
Exceptional guidance
Services
Mortgage Loans
We offer comprehensive mortgage loan services tailored to first-time buyers, investors, and individuals with unique financial situations. Our expertise includes conventional, FHA, USDA, and jumbo loans. With access to over 100 lenders, we secure competitive rates and terms that align with your budget and goals. Our process emphasizes education and transparency.
Refinancing
Our refinancing solutions help homeowners reduce monthly payments, access equity, or adjust loan terms. We specialize in cash-out refinancing, rate-and-term adjustments, and streamlined VA refinances. By analyzing your current mortgage and financial objectives, we identify opportunities to improve your financial position while minimizing costs.
VA Loans
We provide VA loans for eligible military veterans and service members, offering 100% financing with no down payment requirements. Our team navigates VA-specific guidelines to ensure a smooth process, including streamlined refinancing options. We prioritize fast approvals and personalized support to honor our veterans' housing needs.
Reverse Mortgages
Our reverse mortgage programs enable retirees to convert home equity into tax-free income without monthly payments. Ideal for seniors seeking financial flexibility, these loans allow you to stay in your home while accessing funds for living expenses, medical costs, or home improvements. We provide clear guidance on eligibility and long-term implications.
Self-Employed Mortgages
We specialize in mortgage solutions for self-employed individuals, freelancers, and business owners. Our programs accommodate non-traditional income verification through bank statements or profit-and-loss statements. By leveraging our industry relationships, we secure approvals for clients who may struggle with conventional lending criteria.
People
Viral 'Vic' Joshi
Mortgage Consultant & Branch Manager
Award-winning mortgage expert with 25+ years of experience, specializing in complex loan scenarios and client education. Licensed real estate agent since 1998, Vic prioritizes transparency and personalized guidance. Recognized nationally for excellence in mortgage brokerage.
Questions
What mortgage services do you offer?
We offer home loans, refinancing, VA loans, reverse mortgages, investor loans, and specialized programs for self-employed individuals and foreign nationals.
Are you licensed in my state?
We are licensed in California, Colorado, Florida, Hawaii, Oregon, Texas, and Washington.
How can I get pre-approved for a mortgage?
Schedule a free Mortgage 101 consultation to review your financial situation and receive personalized pre-approval guidance.
Do you work with first-time homebuyers?
Yes, we specialize in first-time buyer programs with low down payment options and credit-building support.
Can I refinance with bad credit?
We offer refinancing solutions for clients with low credit scores, focusing on improving loan terms and financial stability.
What makes you different from banks?
As an independent broker, we offer personalized service, access to 100+ lenders, and expertise in navigating complex loan scenarios.
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