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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.

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.

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?


Main Office:

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

Main: 415.242.0730 / Fax: 415.561.9579