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.

We are able to accomplish this through the dedication and knowledge of the mortgage professionals who are associated with our company.

Our mission as a company is to create an environment where you, as a client,  will feel confident that you are receiving not only the best rates, but also the best 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."

Manny Kagan, Ph. D.

President