New Ribbon
Slide 1 Slide 2 Slide 3

Pacific Bay Financial has been in business for over 24 years. We have acquired a reputation as one of the best mortgage companies in the Bay Area through our constant effort to offer the highest quality service to our clients. In this challenging lending environment, banks and borrowers find it difficult to find the right answers.

At Pacific Bay Financial, we are focusing on filling in that gap. We analyze clients' needs, help them utilize their potential and find financial sources to give loans that can be managed and repaired.

Mortgage Solutions for You: Purchase / Construction

Published by pacbay on Thu, 03/06/2014 - 12:34 in

A contractor was looking for a lot in San Francisco to build a house for sale. The seller needed a quick close. We were able to arrange financing and close in 30 days.

Meet Up With Manny!

Published by pacbay on Wed, 03/05/2014 - 16:08 in

Meet up with Manny and his friends for a night of sharing common interests and ideas. You will have the opportunity to meet people with common real estate interests who own or want to buy commercial or apartment buildings, share, or address any ideas and concerns.

This month's Meet up event will take place on:

March 13th at 2345 24th Ave, San Francisco, CA 94116, from 6:30-8:30pm.

Mortgage Solutions for You: Mortgage Insurance?

Published by pacbay on Thu, 02/27/2014 - 14:34 in

A single mom with a daughter wanted to buy her own house. She felt she was over the bitter divorce, which left a short sale on her credit records.
She had $54,000 in her bank account. We could get her an FHA loan, which would have high MI monthly payments. Instead, I decided to chose the program without mortgage insurance.
Her real estate agent found a house for $568,000. With 10% down payment (her sister lent her $10,000 to cover the difference and the closing costs), her new mortgage payment was $2,477 less than her current rent.
Whom do you know that might benefit from our tailored mortgage solutions?

Meetup With Manny!

Published by pacbay on Wed, 02/12/2014 - 13:48 in

If you have never heard about Meetup, do not be surprised! (I did not either before it was brought to my attention.) There are 5,927 meetup groups located here in the Bay Area alone. People with different interests form networking groups where they take the time to meet, learn, share, and to get acquainted.

We decided to join the crowd and created our own group: Bay Area Commercial Real Estate Lending Group.

Looking forward to seeing you at our first meeting, which will take place on February 24th.


Group Link:

Event on

Mortgage Solutions for You: Subordinating

Published by pacbay on Fri, 02/07/2014 - 11:20 in

A client had a primary loan of $428,000 and a line of credit for $36,000. Originally, he wanted to combine both together and receive a new loan total of $464,000. Since this is considered a “cash-out” and the new total loan amount would be more than $417,000 (the conventional loan limit), this brought the interest rate up to 3.75%.

The solution?

We decided that he pay down his first mortgage (using his own funds) to $417,000 and subordinate his line of credit. This way, we were able to drop the interest rate to 3.25%.

Whom do you know that might benefit from our tailored mortgage solutions?

Success Story: California Department of Motor Vehicles

Published by pacbay on Wed, 11/09/2011 - 14:21 in

Objective: To secure construction funds for the build-out of 17,517 square feet of office building to be leased by the California Department of Vehicles. Our client was awarded an opportunity to design, develop, and construct an office building for the California Department of Motor Vehicles

Success Story:Debt reposition of a multi-family dwelling

Published by pacbay on Wed, 11/09/2011 - 10:34 in

Pacific Bay Financial Corporation reviewed and advised our client for a ten year fixed product for debt reposition of a multi-family dwelling. The property was a Single Residence Occupancy (SRO) one and one-half years ago, but has since undergone renovation and upgrade and presently the subject property is technically a multi-family dwelling. The loan request was for $12,875,000.

Success Story: Introduction to a valued business relationship

Published by pacbay on Fri, 10/08/2010 - 10:25 in

Pacific Bay Financial secured Joint Venture funds for a corporate client whose construction of condominiums stalled due to the credit meltdown.

An introduction to a valued business relationship allowed our client to leverage assets to create the necessary capital to continue the project.

Success Story: $31MM acquisition loan for the purchase of several hotels

Published by pacbay on Tue, 09/28/2010 - 11:27 in

Pacific Bay Financial secured a $31MM acquisition loan for the purchase of several hotels.  

The lender in this transaction reviewed the financial analysis of the historical income and determined the strength of the asset and the overall experience of the client was sufficient for their needs and consummated the deal.


Equal Housing Opportunity Lender

355 Gellert Blvd, Suite #230, Daly City, CA 94015
Main: 415.242.0730 / Fax: 650.550.4961

NMLS# 196454 / NMLS Consumer Access Website