Vic Joshi's Straight Deal Mortgage
4811 Telegraph Avenue, Oakland, California, United States
About the Vic Joshi's Straight Deal Mortgage
Vic Joshi's Straight Deal Mortgage is a finance institution located at 4811 Telegraph Avenue in Oakland, California, United States. As an award-winning mortgage consultant and branch manager, Vic Joshi offers expert help navigating the local mortgage market. With over 21 years of experience in the industry, Vic is passionate about helping home buyers get the loan they need for the home they want.
Specializing in bank statement loans for self-employed individuals, contractors, freelancers, and business owners, Vic provides personalized service to ensure clients understand their financing options. With a focus on financial clarity, equity building, and affordability assessment, Vic guides clients through the mortgage process to find the best solution for their needs.
As a lifelong Bay area resident, diehard Warriors fan, and avid scuba diver, Vic brings a unique perspective to his work. He is dedicated to giving back to marine conservation organizations and is committed to providing exceptional service to his clients. Whether you're looking to purchase a new home or refinance an existing loan, Vic Joshi's Straight Deal Mortgage is here to help. Contact Vic for a free consultation and realistic mortgage rate information tailored to your needs.
Photos of Vic Joshi's Straight Deal Mortgage
4811 Telegraph Ave #511, Oakland, CA 94609, United States
Opening hours of Vic Joshi's Straight Deal Mortgage
Monday:
08:00 - 18:00
Tuesday:
08:00 - 18:00
Wednesday:
08:00 - 18:00
Thursday:
08:00 - 18:00
Friday:
08:00 - 17:00
Saturday:
10:00 - 15:00
Sunday:
10:00 - 15:00
Reviews of Vic Joshi's Straight Deal Mortgage
"Vic was a tremendous resource during my recent joint purchase of a house with my partner. This was not my first time buying a home, but it was the first time that I felt completely informed at every step of the loan process. From the moment we contacted him and said we were actively looking all the way through closing, Vic stayed abreast of developments in the market and delivered timely information and updates so that we would be able to get the best deal possible. He and his team had a fast turnaround time when providing necessary documents to our realtor and escrow company, avoiding unnecessary delays and allowing us to close quickly and smoothly. If I'm ever in the market for another house, Vic will be the first person I call."
"Vic helped us with a jumbo loan for our new home. He and his loan processor were amazing to work with, quick with responses, and very knowledgeable. Their expertise really helped us close on time."
"Vic helped me save $20k on out of pocket costs! I met Vic coincidentally through another person while in escrow. After talking and going over the numbers, Vic caught a huge mistake in my previous lender’s loan disclosure. He was organized, efficient, and incredibly thorough. Even though we lost a week since I switched lender, Vic still helped me close on time. I knew he was reliable because he spent an hour helping me with mortgage 101 for free and came prepared with spreadsheets."
"Vic made himself available on some very short notice, and at all hours of the day and night. He has a really good sense of the mortgage market, which was a big help when making the tough decision of when to lock in a rate. Thank you for all of your help Vic"
"We worked with Vic as our lender when buying our first house and had a great experience! I am a spreadsheet person. I love talking numbers, I love seeing different scenarios laid out next to each other, and in most situations I make a spreadsheet like that myself to help me grasp the whole picture. Vic makes that kind of spreadsheet himself and they were SO extremely helpful to us as we were sorting out how much we wanted to thin out or stretch our budget. There's a ton of information packed into one of those sheets but Vic was always willing and openly offering to schedule time together to go through each detail even though he himself has a very busy schedule. Despite all this he was always finding ways to accommodate us and when we needed things clarified he did a great job of breaking down what the numbers meant and why it may be advantageous to pick one scenario over another. Put another way, he really helped educate us in the loan process and language, rather than just giving us one number we were stuck with, so now thanks to him we're much better equipped going forward if we ever need a loan again or when we refinance. For our specific purchase things got a little wonky at the eleventh hour because it was a limited authority probate sale, but Vic rolled with the punches smoothly, he kept a cool head, took the time to carefully explain our very unusual situation, gently advised us which path would be best to follow, and then quickly turned things around in time for closing and got us a great rate given the current climate. I don't believe another lender would have been able to pull off such last minute changes in the middle of escrow but Vic kept the process rolling on through the finish line! After closing, it also seems he sends out a little newsletter in the physical mail that has some housing news and a little blurb about what he's been up to in his personal life which I think is really sweet. We'd definitely recommend him to others when they're looking for a lender and we'll also be speaking to him again when we eventually refinance. Thank you so much Vic!!"
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