Pacific Bay Financial has been in business for over 20 years and has 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. We are able to accomplish this through the dedication and knowledge of the mortgage professionals who are associated with our company. As a result, we were ranked #7 in volume of Bay Area mortgage brokers by San Francisco Business Times in 2004.

Our Mission as a company is to create an environment where each member of our team can share themselves with others. We live and work by the motto set forward almost 2000 years ago by Hillel the Elder:

"If I am not for myself, who will be for me?

If I am only for myself, what am I?

And if not now, when?"

Our mission is also to create an environment where you will feel confident that you are receiving not only the best rates, but service and care which will empower you to share your experience with people who are close to you. Our company operates on the principle of "only by referrals." This means that all the clients whom we've been privileged to serve were referred to us by other satisfied borrowers and friends.

The art of being a true mortgage professional is to have an unusual ability to THINK about small details, and at the same time to envision the big picture outcome of the entire transaction. It is the ability to anticipate and provide solutions to the small and big necessities and to assure that clients’ needs and desires are addressed and met. And that the transaction is handled quickly and with a minimum of hassle.
One client at a time.

We are firm believers that education is the core of our life-long journey and it is our privilege to help you in your financial well-being by bringing this information to you through Pacific Bay Financial Institute (click on Seminars for a list of our upcoming Wealth Building Seminars).

Manny Kagan, Ph. D.

President