Nice to meet you.
I'm Vic Joshi — a native Bay Area resident and home loan expert originating loans since 1997. Straight Deal Mortgage combines correspondent lending with broad wholesale access across FHA, VA, USDA, Non-QM, reverse, jumbo, and other specialized products.
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.
For realtors who share my values and work ethic.
We both know that mortgage lending as it exists today has rules that make no sense. The process can be exhausting for clients — especially for first-time home buyers who don't know where to turn.
I'd like to form working relationships with a select group of realtors who share my values and work ethic to create the best home loan experience possible for our mutual clients.
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.
Five things your clients will remember you for.
I have closed purchase loans in 15 days or less since 2004 and can often help buyers write offers without loan or appraisal contingencies when their circumstances support it.
I work well beyond bank hours — generally available until late evening during the week and on weekends, for clients with odd hours, commitments, or in other time zones.
As you'll see in my client reviews, I'm a patient guide for clients learning the ropes. I spend generous time educating them and I regularly publish helpful information for buyers online.
I've been originating loans since 1997 and have become a Mortgage Whisperer who can work through difficult deals — and I pride myself on getting the best result possible.
I perform the loan process end-to-end myself — much more efficient than a bank's assembly-line process. I've become adept at working under pressure and deadlines to perform at the last minute when needed.
Award-winning loan originator.
Control where the timeline matters.
As a correspondent lender, I choose the appraisal company and am not waiting in a wholesale lender's queue. That control supports fast communication, disciplined files, and purchase closings in 15 days or less when the transaction qualifies.
For well-prepared buyers, that can also support offers without loan or appraisal contingencies. I review the file and the risks with the buyer and agent before recommending that strategy.
See how the direct-lender model works →Let's build something efficient.
If you're a realtor interested in building an efficient, seamless operation that provides our clients with the best home buying experience possible, please send me a note so we can arrange to talk.
Let's make the home buying process the best it can be.
Free Mortgage 101 consultation — no obligation. Get a realistic quote that actually matches your situation.