About Us

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

"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

Mission Statement
Pacific Bay Financial Corporation is an innovative company which relies on our expertise in analyzing the needs of our clients, providing the appropriate financing for income producing properties and companies.  Our strategic alliance within the lending community allows us to bring much needed capital to our clients.  It is our mission to serve the needs of our clients by completing a thorough analysis of their objectives and finding a solution that best achieves their financial goals.
Pacific Bay Financial Corporation can secure the funds you need for your real estate based financing.
Loan Types
Permanent Mortgages - Income Properties
Construction Loans - Income Properties
Construction Loans - Land Development
Bridge Loans - Commercial Income Properties
Mezzanine Financing and Miniperm Mortgages
Property Types
Apartment Buildings
Mixed Use Properties
Warehouse & Distribution Facilities
Shopping Centers and Retail Strips
Commercial Building - Multi-tenant
Commercial Building - Single credit tenant
Land Development including mixed use
Hotel/Motel acquisition or development
Special Use Properties

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