Building Wealth ThroughStrategic Financing

I'm not just in the mortgage business — I'm in the success business. As a mortgage loan officer, I specialize in helping clients structure financing that fuels long-term growth and generational wealth.

5.0
Client Rating(8)
8+
Loan Products
3
Licensed States
Aman Joshi - Professional headshot
NMLS
#1898069
Company NMLS#328875
Licensed States
CA • FL • TX

Client Success Stories

Real experiences from clients who built their financial future with strategic financing

5.0from 8
A

Adil Khan

Zillow
5 months ago

Aman went above and beyond to make our home buying process smooth, transparent, and stress-free. From the first conversation to the final closing, he was incredibly responsive, patient, and proactive in addressing our questions and concerns. He took the time to explain every detail of the mortgage process, helped us understand our options, and guided us toward the best loan product for our needs. Aman was always available—whether by phone, email, or text—and made sure we never felt lost or overwhelmed. Thanks to his diligence and expertise, we were able to close on time with a great rate. If you’re looking for someone who genuinely cares, communicates clearly, and delivers on promises, Aman is the guy you want on your side. We highly recommend him to anyone buying or refinancing a home!

S

S.Bhawania

Zillow
8 months ago

I had an excellent experience working with Aman while buying my first home. As a first-time homebuyer, I had a lot of questions, but Aman was incredibly patient and took the time to explain everything to me. He ensured I fully understood the process, even explaining things again if I didn't quite get it the first time. Thanks to his help, we were able to close on the house quickly. Overall, the experience was smooth and stress-free. I highly recommend Aman to anyone looking for a reliable and knowledgeable loan agent

V

Vibha T

Zillow
8 months ago

Aman Joshi has been very professional, supportive and responsive loan agent. He has been very helpful and communicative throughout the home buying process. With his expertise, he ensured seamless and stress-free process to make all the confident needed decisions. Whenever we needed him, he was always there to answer all our questions and he went above and beyond to make things happened. We want to extend our sincere gratitude to Aman for his outstanding support and guidance. We highly recommend Aman for his services :-)

P

Priyanka and Sridhar

Zillow
11 months ago

As first-time homebuyers, we had many questions and some nervousness about the process. We first met Aman at an open house, where our conversation centered around the housing market and what to look for in a home. Although we didn’t cross paths again in person for over a year, whenever we found a property we liked, we reached out to him, recalling the positive impression he left on us. Aman turned out to be an exceptional financial advisor. He took the time to explain everything in detail, highlighting both the pros and cons, and helping us make informed decisions. His guidance throughout the process was invaluable, and we highly recommend connecting with him if you’re shopping around for mortgage rates or financial advice. We are confident that you will be impressed with the level of service and expertise he provides. Thanks to Aman, our transaction was smooth, and we were able to navigate the process with ease and confidence. We truly had a hassle-free experience as we entered into our new home. Best regards, Sridhar and Priyanka

s

sidpath

Zillow
a year ago

Aman was an exceptional help getting me the best rates guiding through out the process and educating me through the process and guiding me with future prospects I would highly recommend Aman to anyone looking for refinancing

G

G Min7

Zillow
a year ago

Aman knows his products, and was able to find the rates invisible otherwise. Bought an investment property when rates were peaking up in late 2022. He got me best rates at purchase, and then refinance - 2X. When the market rates were 7.5%+, he got me an ARM for 4.5% only. Even though it was for a short duration, it helped me build the initial cash reserve because I was able to save enough. And then, when the refi rates were through the roof on a multi-unit investment property, he saved me at least 1%.

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Your Partner in Building Generational Wealth

Driven by purpose and precision, I'm not just in the mortgage business — I'm in the success business. As a mortgage loan officer, I specialize in helping clients structure financing that fuels long-term growth and generational wealth.

My mission is simple: to help others cross the bridge to success — not through luck, but through strategy, discipline, and execution. I don't invest time in conversations that don't add value. If I'm not gaining knowledge or building wealth, I'm not engaging. I build relationships not for comfort, but for momentum — with people just as committed to leveling up as I am.

My approach is direct, data-driven, and deeply client-focused. I believe timing reveals what's ready: 'If it hasn't surfaced yet, it's not meant to be known.' That patience and perspective allows me to guide clients through complex transactions with clarity and confidence.

Whether you're a first-time buyer or an experienced investor, I bring unwavering focus, transparency, and the mindset of someone who sees every deal as a step toward financial freedom — not just for you, but for the legacy you're building.

Strategic Vision

Data-driven strategies focused on long-term wealth creation, not just closing deals

Unwavering Focus

Direct, transparent communication with complete dedication to your financial goals

Client-Centered

Tailored solutions designed around your unique situation and aspirations

Proven Excellence

Perfect 5.0-star rating from clients who've achieved their homeownership dreams

Comprehensive Loan Solutions

From first-time buyers to seasoned investors, I offer a complete range of mortgage products tailored to your financial strategy.

Conventional Loans
Traditional financing with competitive rates and flexible terms for qualified borrowers.

Key Benefits

  • Down payments as low as 3%
  • No mortgage insurance with 20% down
  • Loan amounts up to $766,550 (2024)

Ideal For

Buyers with good credit and stable income seeking the most flexible loan terms.

Purchase or Refinance?

Whether you're buying your dream home or optimizing your current mortgage, I'll help you make the strategic choice.

Home Purchase

Strategic financing to build wealth through homeownership

Why Work With Me?

  • Multiple loan product options
  • First-time buyer programs
  • Investor financing solutions
  • Competitive rates across all loan types

Refinancing

Optimize your existing mortgage and unlock hidden value

Should You Refinance?

  • Lower your interest rate
  • Reduce monthly payments
  • Shorten your loan term
  • Access home equity (cash-out)
  • Eliminate PMI with increased equity

Mortgage Calculators

Plan your purchase or estimate savings with our interactive mortgage calculators.

Calculate Your Payment

Adjust the values below to estimate your monthly mortgage payment.

Additional Monthly Costs

Not required when down payment is 20% or more

Estimated Monthly Payment
$2,573
/month

Payment Breakdown

Principal & Interest$2,023
Property Tax$400
Home Insurance$150
Loan Amount$320,000
Total Interest$408,142

PMI is automatically included in monthly payment when down payment is less than 20%. This is an estimate only. Actual rates and terms may vary.

Disclaimer: This calculator is for informational purposes only and does not constitute financial advice. PMI (Private Mortgage Insurance) is automatically included in calculations when the down payment is less than 20%. The estimates provided are based on the information you enter and may not reflect actual rates, terms, or costs. Consult with a licensed mortgage professional before making any financial decisions.

Let's Build Your Strategy

Ready to take the next step? Reach out today for a consultation focused on your financial goals.

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Office Hours

Monday - Friday8:00 AM - 7:00 PM
SaturdayBy Appointment
SundayClosed

Contact Information

Phone
(510) 648-5524
Email
aman@calcoastmtg.com
Office
6601 Owens Dr St 260
Pleasanton, CA 94588

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