vjoshisdm

About 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.

February 2021 Mortgage Rate Update

By |2021-02-04T23:44:04+00:00February 4, 2021|Mortgage Rates|

Hi Friends, Mortgage interest rates continue to be near the all-time low levels we have continued to experience since June of 2020. Mortgage rates are still at historically low levels despite the FHFA (Federal Housing Finance Administration) refinance fee [...]

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Mortgage Rates in Uncharted Waters

By |2024-10-24T06:11:53+00:00October 19, 2020|Mortgage Loans, Mortgage Rates, Refinance|

Refinance Fee Hike Increases RatesMortgage interest rates continue to be near the all-time low levels we have continued to experience since June of this year. Mortgage rates are still at historically low levels despite the Federal Housing Finance Administration (FHFA) [...]

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Misconceptions About Mortgage Interest Rates

By |2020-09-19T21:48:41+00:00September 19, 2020|Mortgage Loans, Mortgage Rates, Refinance|

Yes, Rates Are Near the All-Time Low Mortgage interest rates continue to be near the all-time low levels we have been experiencing since June of this year. In today’s edition of m,y blog newsletter, I am sharing new and [...]

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Profiting from the Coronavirus Crisis?

By |2020-08-25T22:14:00+00:00August 25, 2020|Mortgage Rates, Refinance|

Low Mortgage Rates During Economic Crisis Mortgage interest rates continue to be near the all-time low levels we have been experiencing since June of this year. In the first week of August, rates bottomed out, ending the run on [...]

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UltraFICO Helps Millennial Home Buyers

By |2024-10-24T06:13:24+00:00May 23, 2020|Credit, First Time Home Buyer|

UltraFICO Credit Scoring Helps Millennial Home Buyers Are you a millennial? Or concerned about the financial wellbeing of your millennial child? Low Credit UsageAccording to recent research, only 33% of adults ages 18 to 29 [...]

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Historically Low First Mortgage Rates

By |2025-01-04T05:26:47+00:00May 21, 2020|Mortgage Rates, Refinance|

Rates at 30 Year LowThis week, mortgage rates for conforming, single-unit, residential properties have come back down to the lowest levels in three decades, with some borrowers being able to lock and close 30-year fixed-rate loans at 3% APR with [...]

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Mortgage Broker vs. Mortgage Consultant: What’s the Difference?

By |2024-10-24T06:15:36+00:00May 17, 2020|Mortgage Consultant, Mortgage Loans, Vic Joshi|

Mortgage Lending RolesMortgage lending has its own vocabulary that can be confusing for buyers, especially first time home buyers researching how to get a good mortgage loan. People often ask how to compare mortgage brokers vs. mortgage consultants — what's [...]

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COVID-19 and Mortgage Loans

By |2024-10-24T06:17:26+00:00April 22, 2020|Mortgage Loans, Mortgage Rates, Refinance|

Link Between COVID-19 & Mortgage LoansAs the COVID-19 shelter-in-place directive is impacting all areas in our society and the global society at large, the effects are being felt in the mortgage markets as well. Mortgage interest rates that fell to [...]

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Health, Community, & Finance

By |2020-03-23T21:34:47+00:00March 23, 2020|Mortgage Loans, Vic Joshi|

Unprecedented Disruption All of us right now are experiencing unprecedented health, social and market disruptions and are directly impacted by the frequent changes and uncertainty. What started as and continues to be a global health crisis has quickly added [...]

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