August 12, 2026

We Need a Break!

Closing CostsHome PurchaseMortgage LoansMortgage RatesRefinance

This summer Stacy and I travelled to Europe to visit with my daughter Savita, her fiancé Noah, and to see my mom’s four surviving siblings, Maya, Mira, Sheela, and Bipin. Savita and Noah have been living in Berlin, Germany for the past five years and my aunt Sheela lives near a little Swiss village near Basel. Before making it to Berlin and then to Basel, we started in Barcelona, then cruised the French Riviera and made it to Paris. Here are a few photos from our travels. Hope you are all having a great summer and staying cool during the record heat waves felt around the world!

As always, your mortgage guy,

Viral (Vic) Joshi

Home of Real Mortgage Advice®

Subscribe

To get more of my timely market updates, subscribe to my monthly email newsletter.

Subscribe!

Subscribe

To get more timely market updates, subscribe to my weekly email newsletter!

Subscribe!
About the Author

Vic Joshi

Viral "Vic" Joshi is a native San Francisco Bay Area resident, independent home loan expert and real estate agent, helping home buyers, homeowners, and investors with mortgage loans since 1997. Vic works as an agent with his company, Straight Deal Mortgage, and is still passionate about helping home buyers get the best loan for their circumstances after decades in the business.

Have a question? Text us here.

Take the next step

Talk with Vic before you shop online.

Free Mortgage 101 consultation — no obligation. Get a realistic quote that actually matches your situation.