The Indonesia SCUBA dive trip was a huge success!
We packed in dives with mantas, sharks, and reef life…
About Vic Joshi
Home loan expert.
Home of REAL Mortgage Advice®.
I'm Viral (pronounced like "virile") "Vic" Joshi — a native San Francisco Bay Area resident and an independent California home loan expert. I've been helping home buyers, homeowners, and investors with mortgage loans since 1997. I work as an agent under Shane Stanfield Inc. DBA Straight Deal Mortgage (Company NMLS #2320397), and I'm also a California licensed real estate agent since 1998.
After decades in the home loan industry, I'm still passionate about helping home buyers get the loan they need for the home they want.
Top Producer
Straight Deal Mortgage
Top Producer
Companywide
Licensed Real Estate Agent
Since 1998 · CA DRE #01242935
Licensed Mortgage Consultant
NMLS #244388
Company NMLS
#2320397
The mission
Help buyers qualify for the terms that work for them.
I spend a generous amount of time with each client to educate them about how the mortgage industry works, through free "Mortgage 101" consultations, so they can make good decisions and get a great loan.
I've revamped my website to give clients a trove of current resources to supplement my consultations.
Navigating the mortgage industry
I've witnessed the impact on buyers through lending booms and crashes.
Because I've been in this industry so long, I'm aware of its inner workings, trends, the adversarial relationship between buyers and lenders, and the arbitrary rules that lenders and underwriters follow. I'm passionate about using that experience to help steer every client through the complexities of loan shopping so they can avoid the pitfalls and get the loan they need for the home they want.
Read: How the loan process works →Professional memberships, certifications & awards
Recognized. Certified. Connected.
I stay current with daily exposure to the mortgage industry through professional memberships with the National Association of Mortgage Brokers and the California Association of Mortgage Professionals. I'm also a Certified Veterans Loan Specialist.
2022 Scotsman Guide Award
2021 Scotsman Guide Top Originator
2021 C2 Top Originator · prior affiliation
2020 C2 Top Producer · prior affiliation
2020 NMP Top Producer
Best Mortgage Companies in Oakland (3 Best Rated)
Best Mortgage Brokers in San Francisco (Expertise)
Certified Veterans Loan Specialist (CVLS)
NAMB Member
CAMP Member
The personal side
Warriors fan, father, rescue diver.
I'm an avid scuba diver and certified Rescue Diver. Eventually I'd like to become a dive instructor so I can share the joys of this ocean sport with others.
I give back to the Monterey Bay Aquarium, Divers Alert Network (DAN), and the National Outdoor Leadership School (NOLS). I'm also a longtime Warriors fan.
Home office
Penthouse overlooking Oakland.
My home penthouse office is located on Telegraph Avenue in the Temescal neighborhood in Oakland, California — but I transact loans throughout California, Colorado, Hawaii, Oregon, Washington, Texas and Florida. I do my best to be available to talk or meet with clients whenever it works for their schedule.
4811 Telegraph Avenue, Ste 511
Oakland, CA 94609
Monday – Friday 7 AM – 10 PM · or by appointment
Recent posts about Vic
Off the clock.
Holiday Joy
They grow up fast! This holiday season I was…
Still Waiting for the Mortgage Market
Mortgage interest rates have yet to make…
Start your home loan search
Email Vic, call 510-655-2868, or book a phone appointment.
Free Mortgage 101 consultation. No obligation. Real advice from a straight shooter.