GET STRAIGHT ANSWERS
AND A GREAT DEAL

from an independent mortgage company with a 5 star record of success

from an independent mortgage company
with a 5 star record of success

Straight Deal Mortgage - Vic Joshi CEO

Let Vic Joshi help you navigate the mortgage lending process.

Avoid the pitfalls of loan shopping without guidance!

  • It’s hard to know where to start to get the loan you need that’s best for your unique situation
  • You can’t trust enticing online rate quote offers that are nothing but marketing funnels to collect your personal contact info
  • Direct lender salespeople at banks have no fiduciary responsibility to buyers and are only in it for the sales commission

We Take On Your Mortgage Challenge

When you buy a car, you might ask a trusted mechanic to check it out before you buy. Or if you’re learning to scuba dive, you probably won’t just jump into the ocean without a trainer by your side. Buying a home or a commercial property is likely one of the biggest investments you’ll ever make! It makes sense to have someone on board to guide you through the loan process that can have lasting impact on your financial future.

At Straight Deal Mortgage we’re your mortgage loan guardian, with a fiduciary responsibility to do what benefits you most. We’re determined to get through the maze of mortgage lending and come out on the other side with the absolute best solution for you.

people negotating mortgage
Straight-Deal-Mortgage-Vic-with-home-buyers

When you buy a car, you might ask a trusted mechanic to check it out before you buy. Or if you’re learning to scuba dive, you probably won’t just jump into the ocean without a trainer by your side. Buying a home or a commercial property is likely one of the biggest investments you’ll ever make! It makes sense to have someone on board to guide you through the loan process that can have lasting impact on your financial future.

Here’s how we can help

HOME PURCHASE LOANS

Whether you are upsizing, downsizing, or relocating, I can save you from the pitfalls of online mortgage loan shopping and teach you how to make your own well-informed decisions. Whether you are a first time home buyer or an experienced investor, I can find a loan product that will work for you, that serves your needs, at the optimal rate!

refinance

REFINANCE

What’s the best move for you to make the most of your equity? As a fiduciary who is required by law to act in your best interest, we will help you determine your best solution, whether it makes the most sense for you to do a Cash Out Refinance of your principal mortgage or do a HELOC, a Home Equity Line of Credit.

reverse-mortage

REVERSE MORTGAGE

Retirees with equity in their homes who want to maintain their quality of life into retirement may choose to refinance their current loan into a reverse mortgage. You can eliminating your current mortgage payment for life, take cash out for home improvements or portfolio investments, or opt to get paid each month out of your home equity to provide a monthly cash draw.

There’s a strategy to getting a great deal and we’ve got the key

We are driven by experience, empathy, and a hunter-gatherer mindset to beat the mortgage lending machine to find you the best deal possible. With over 27 years in the mortgage industry, we are experts in navigating the lending guidelines that make no common sense. Our job is to help the bank’s underwriter make the right decision for you by structuring your application to get the loan approved. The loan approval is a YES to you getting your mortgage!

What’s the risk if you settle for a bad mortgage loan solution?

  • You could overpay by tens to hundreds of thousands of dollars by getting the wrong rate or the wrong loan product..
  • You could miss getting into contract for the purchase of the property you really want if your offer isn’t strong enough to beat the competition.
  • You could miss closing the transaction for the property you want to buy and lose the property you really want.
  • You could lose your good faith  deposit put down when getting into contract if you cannot close on the property you really want.
  • You could lose your property on a refinance to avoid foreclosure if the refinance doesn’t close.

  • You could lose financial stability on a refinance used to consolidate debt or pay emergency bills if the refinance doesn’t close.

learning about the mortgage process

280 unfiltered reviews tell the Straight Deal Mortgage story!

“Vic got us through a complicated deal. Although we encountered several unexpected hurdles along the way, we still ended up closing a day early with a good deal on the mortgage thanks to Vic’s diligence. Vic’s knowledge, expertise and attention to communication kept our stress level down throughout the process.”

Ted A.

“Vic and his office are amazing. They are easy to work with, professional, honest, communicative, and are not in it for themselves. You can count on his advice being in YOUR best interest, and you can count on things going smoothly. Highly recommend. I have used him multiple times for everything from purchases, to HELOANS, to REFIs, and he is the only person I would use in the future. 100% recommend.”

Liz T.

“Vic was wonderful & incredibly helpful from start to finish during our home buying process. He was so knowledgeable & put us as a priority each day. He was quick to answer any and all of our questions and explain transaction steps in an understandable way. He gets a 10/10 and we will use him again for our next home purchase!”

Mike G.

Get on the Right Track to a Good Financial Decision

WE CAN CLOSE FASTER AND MORE EFFICIENTLY THAN THE LARGE BANKS CAN!

Here’s how to get started in the right direction.

step 1

STEP 1

Schedule a free Mortgage 101 consultation here

step 2

STEP 2

Gather up the supporting documents you’ll need
for your loan application

step 3

STEP 3

Complete a no-obligation online loan application to receive personalized information about your options