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Since 1985

Pacific Bay Financial has been in business since 1985. 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.

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How We Can Help

Since 1985, Pacific Bay Financial has helped thousands of clients to fulfill their dreams through getting mortgages.
We will help you as well. I promise.


If you are a veteran or a first time home buyer, we understand what your priorities are and how we can assist you with finding the right solution.

Credit Assessment


There are many lenders who might help you; however, when it comes to lower rates and no cost loans, we know how to find the best solution.


Reverse Mortgage

To help you to retire and to enjoy your Golden Age, there is no one better who can find the right way on how to assist your retirement.

Contract Paper Signing


For over 35 years, we have helped borrowers with finding solutions for commercial, apartment and mix-use buildings. We will help you too. I promise.

Image by Hardik Pandya


From ground up, remodeling or Fix and Flip, construction loans are our bread and butter.

Image by Milivoj Kuhar
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Manny got us an amazing deal on our home and made the process of getting the home loan look like child's play. He had clear guidance on what we need to provide in terms of documentation, explained the lending process clearly, was always responsive (sometimes we talked several times a day) and helped us secure a loan in three weeks despite us being self-employed. In the end we got a 30 year fixed at 2.77% which is crazy unheard of. Manny shopped for the best deal and worked with us until we crossed the finish line. I recommend Pacific Bay Financial to all my personal and professional contacts.

Get In Touch

333 Gellert Blvd Suite 114, Daly City, CA 94015, USA

(415) 242-0730

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Equal Housing Opportunity
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