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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.
 



5 Star Customer Review

Published by pacbay on Fri, 04/17/2015 - 11:10 in

Mortgage Solutions For You!

Published by pacbay on Wed, 08/06/2014 - 09:55 in

Whom Do You Know That Might Benefit From Our Tailored Mortgage Solutions?

See the full entry here: http://mannykagan.com/mortgage-solutions-for-you-28/

Mortgage Solutions For You

Published by pacbay on Tue, 07/29/2014 - 15:22 in

Short Sale Special! Read more!

Mortgage Solutions For You!

Published by pacbay on Tue, 07/22/2014 - 16:00 in

Are you protected? Read more to find out.

Are Subprime Loans Back?

Published by pacbay on Wed, 04/02/2014 - 10:16 in

Recently one of the major banks announced BIG NEWS, reported in the San Francisco Chronicle. They lowered the credit score on FHA loans from 660 to 600 FICO.

For us, it is just business as usual.

April Meet Up! 1031 Exchange

Published by pacbay on Mon, 03/31/2014 - 14:45 in

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

April 10th at 33 Arroyo Drive, South San Francisco, CA 94080, from 6:30-8:30pm.

Meet Up With Manny Tonight!

Published by pacbay on Thu, 03/13/2014 - 17:01 in

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.

Our special guest speaker, Lawrence Souza, will present on "Managing Real Estate Portfolio Risks".

Mortgage Solutions for You: Divorce Settlement Special

Published by pacbay on Thu, 03/13/2014 - 16:56 in

A couple was going through a divorce where a husband wanted to keep the house. They agreed that the value of their home was $800,000. The current mortgage had a balance of $350,000.

To enable him to keep the property, he had to give his ex-wife his share of the difference or $225,000. As a result, his new loan was $575,000 or 72% LTV. For most of the lenders, this transaction is called a “cash-out refinancing”. This triggers an increase in the rate and limits the LTV to 60%.

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.

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Main Office:

2171 Junipero Serra Blvd., Ste. #300, Daly City, CA 94014-1985

Main: 415.242.0730 / Fax: 650.550.4961