Kwik Mortgage Corporation · NMLS #138075

Viral Mistry

VP of Business Development | NMLS #223886

Straight answers on rate, payment and closing costs — usually in one 15-minute call. Purchases, refinances and investment property loans.

Kwik Mortgage Corporation is licensed in 19 states. Loan officer licensing varies by state.   View state licenses.

NMLS Consumer Access:   www.nmlsconsumeraccess.org

Get my rate quote Book a 15-minute call

What are you trying to do?

Buying a home Refinancing First-time buyer Investment property

Home purchase

Get a pre-approval that agents and sellers take seriously, then keep the same point of contact all the way to the closing table.

  • Pre-approval letter you can attach to an offer
  • Conventional, FHA, VA and jumbo options compared side by side
  • Payment and cash-to-close numbers before you write an offer


Book a 15-minute call

Refinance

Lower the payment, shorten the term, drop mortgage insurance, or pull cash out of your equity — we run the break-even math before you commit.

  • Rate-and-term and cash-out refinance
  • Break-even analysis in writing
  • Debt consolidation scenarios


See if refinancing makes sense

First-time homebuyer

Nothing assumed, nothing skipped. You’ll know what each document is for and what happens next at every stage.

  • Low down payment programs explained plainly
  • Credit and income review before you shop
  • A written checklist so you’re never guessing


See what you can afford

Investment property

Financing for rentals and portfolio growth, including DSCR loans qualified on the property’s rent rather than your tax returns.

  • DSCR and conventional investor financing
  • Cash-out to fund the next acquisition
  • Multiple properties handled by one contact


Investment property loan guide

Meet Viral

Viral Mistry is the Vice President of Business Development at Kwik Mortgage Corporation (Company NMLS #138075). Viral Mistry, NMLS #223886. Viral has helped clients achieve their homeownership and financial goals across residential purchases, refinances, and investment property financing. He serves homebuyers and real estate investors in the states where he is licensed to originate. Kwik Mortgage Corporation is licensed in 19 states; loan officer licensing varies by state.

Specializing in residential mortgage lending, Viral offers personalized guidance for home purchases, refinancing, and cash-out transactions. His transparent communication, honest advice, and approachable style have earned the confidence of clients and business partners alike. Whether assisting a first-time homebuyer or an experienced investor, he remains focused on providing a smooth mortgage experience built on integrity and professionalism.

Known for his dedication, loyalty, and strong industry relationships, Viral works closely with clients, real estate professionals, and business partners who value dependable guidance. Outside of work, he enjoys cooking and spending time with his wife and two daughters. Family is central to his life and inspires the same care, commitment, and attention he brings to every client relationship.

What My Clients Say

Smooth and Helpful Service

Viral and his team Is very professional, responsive, and easy to work with. They offered very competitive rates and were patient in understanding my needs. He explained everything clearly, answered my questions promptly, and made the whole process smooth and stress-free.

Manish Sankhla
West Windsor Township, NJ

Best Rates and quick proces

Excellent service, with best in the industry rates and also very quick and hassle-free process . Viral is the go to person to work on any of your home leading requirements

Tojo
Kendall Park, NJ

Very professional, transparent and responsive.

Working with Viral was a pleasure. He secured the most competitive refinancing rate and demonstrated exceptional professionalism throughout the process. His team was transparent, responsive, and a true asset every step of the way.

Kalpesh
Manalapan Township, NJ

Best rates with excellent service

I got the lowest rate from Kwik Mortgage. Viral and team were prompt and professional at all stages and ensured the closing happens on time as promised. I had a seamless transaction.

P Jha
Princeton, NJ

Fantastic and Reliable!

Viral and his team made the entire mortgage process smooth, clear, and stress-free. They were professional, knowledgeable, responsive, and always available to answer my questions. I highly recommend Viral and Kwik Mortgage for their trustworthy and efficient service.

Ravi Shah
Township, NJ

Excellent Service with good interest rate

Viral guided me through every step of the mortgage process, from gathering documents to closing day.
He provided excellent service and helped make my home-buying experience smooth and easy. I highly recommend Viral and Kwik Mortgage to my friends and family.

Mandeep
Township, NJ

Great professional service!

Viral and his team were extremely helpful in every step of the process. They provided updates promptly and fast tracked the closure process. Thanks team.

Harikrishnan
Denton, TX

Reviews are from Kwik Mortgage clients. Individual experiences vary. Reviews do not describe the rate, terms, or timeline any future applicant will receive.

See More Client Reviews

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Closing & Milestones

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rate & market notes

BOOK AN APPOINTMENT

Pick a time that works for you

Fifteen minutes, no application required. Bring your price range or your current loan statement and you’ll leave the call with real numbers.

Call or text (866) 594-5684

Email viral.mistry@kwikmtg.com

Office 959 Route 46 East, Suite 401, Parsippany,

NJ 07054

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