Bay City Financial

Bay City Financial operates as a dedicated mortgage broker based in San Bruno, California, specializing in both residential and commercial real estate financing. Established over eleven years ago, the company prides itself on a foundation of trust, integrity, and professionalism, aiming to build long-term relationships with clients rather than focusing on single transactions. They have successfully closed hundreds of millions of dollars in loans, demonstrating their significant experience in the lending business.

The brokerage distinguishes itself by leveraging an extensive network of diverse lenders and investors. This unique approach fosters a competitive bidding environment among these entities for clients' business, ultimately securing more favorable rates and terms than a client might find through a direct single-lender interaction. While headquartered in San Bruno, their services extend across the entire state of California, providing comprehensive financing solutions to a broad client base.

Bay City Financial offers a wide array of loan programs, including popular residential options like FHA, VA, Conventional, and Jumbo loans, alongside specialized offerings such as Non-QM and Reverse Mortgages. They also facilitate commercial financing for various property types, including multi-family, office, retail, and industrial properties, and provide SBA loans. Their commitment to client advocacy and diverse product offerings positions them as a reliable partner for those seeking optimized real estate financing solutions.