Mortgage solutions for you
Since 1985 · Daly City · NMLS # 196454
We bridge the gap between banks and borrowers, including when the situation isn’t simple.
Loan programs
Every file is different. Here is the ground we cover. If you don’t see your situation, call anyway. We will tell you honestly whether there’s a path.
Homes & retirement
Buy · Refinance · Retire
- Residential purchase & refinance
- Buying a home or refinancing the one you have. Many lenders can help. We shop your file across them to look for a lower rate, lower costs, and no-cost options when they’re available.
- VA / FHA
- For veterans, service members, and first-time buyers. We explain the government-backed programs, their down payment and credit requirements, and which one fits your priorities.
- Reverse mortgage
- For homeowners 62 and older who want to turn home equity into retirement income. We lay out the trade-offs plainly, so you and your family can decide with confidence.
Life changes & hard situations
Call early. Time matters.
- Divorce & separation
- Buying out a spouse’s share, refinancing a loan out of joint names, or qualifying on your own for the first time. We work alongside your attorney or mediator to find financing that fits the settlement.
- Foreclosure
- Behind on payments or holding a notice of default? Reach out as soon as you can. We’ll review your options for refinancing or other financing and give you a straight answer. We also finance purchases of foreclosed and bank-owned homes.
- Distressed property
- Homes and buildings that need major repair, carry liens, or won’t qualify for a conventional loan as they stand. We look for the lenders and loan structures built for property that banks pass on.
We’re mortgage professionals, not attorneys or tax advisors. We coordinate with yours so the financing and the paperwork line up.
Investment, business & beyond
Commercial · Build · Advise
- Commercial
- Apartment, mixed-use, office, and retail buildings: purchases, refinances, and debt repositioning. We’ve done it for over 35 years, often against a deadline like a maturing loan or a 1031 exchange.
- Construction
- Ground-up builds, remodels, and fix-and-flip projects. Construction loans are our bread and butter.
- Specialized financing
- Self-employed income, unusual properties, tight closing dates, or a file another lender turned down. When your situation doesn’t fit a bank’s checklist, we look for one that fits you.
- Financial consulting
- Not ready to apply yet? We review your finances, credit, and goals, and map the steps toward buying, refinancing, or investing.
Between the bank and you
Pacific Bay Financial Corporation has arranged mortgages in the Bay Area since 1985. We’re brokers and consultants: we analyze what you need, collect and present your financials so lenders see the strength of the deal, and negotiate the terms.
That work has helped thousands of clients buy homes, keep them, and build portfolios. Many have stayed with us for twenty years or more. You’ll work directly with the people whose names are on the door. We will help you too. We promise.
| Founded | 1985 |
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| Office | 355 Gellert Blvd #110, Daly City |
| Serving | San Francisco & the Bay Area |
| License | NMLS # 196454 |
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Dwight Daguman
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Manny Kagan
What clients say
Rated Excellent · 39 reviews on Yelp
“Dwight has been a lifesaver during these troubling times.”
“My husband and I have been working with Pacific Bay Financial for 20+ years, adding to our residential and commercial real estate portfolios over time.”
“Where other brokers were unable to deliver, Dwight and his team came through at the last minute with very favorable terms.”
“Dwight has the great ability of packaging loans and presenting the strengths in a way that the borrowers can secure lending at the best terms and rates.”
“I was a first time home buyer and had many unknowns… Manny and Sunny helped me a lot to prepare loan application and other documents.”
Talk to a person
Call us to talk through your situation, or start your application online.