Pacific Bay Financial Corporation, Daly City, CA

I have been very skeptical about dealing with loan brokers as I believed that there is no need for a middleman who will get paid for something you can do yourself. Oh, boy - how it is so away from the truth. Even being an owner of commercial and residential properties, I did not know how much I didn't know. And believing that you can overcome the scrutiny and obstacles on the way of obtaining a loan has caused me the loss of 2 wonderful properties. After contacting about 2 dozens of banks, getting a cold shoulder and when the hope seemed very murky, I decide to swallow my pride and ask for a help. Despite the fact that I own a successful business with 3 locations for 12+ years, survived COVID time, own the commercial building - would not matter to the banks. After discussing few scenarios with Manny and Dwight, I got a very solid commitment letter from a large bank within 10 days with rate, term and conditions not available from the big 5. The success of dealing with Pacific Bay Financial and in particular with Manny and Dwight is that they know the best way to present your strengths and value as a customer to the bank, speak to the bank in language they understand and sing the song which is pleasant to their ears. Dwight was able to find the best strategy to secure interest of the bank in me as a client, and able to get the bank make an offer which would not have been available to me otherwise. Prior to working with Pacific Bay Financial, I had CDC contacted the same bank for consideration for issuing LOI and this bank was not able to do it. Only with Dwight's approach based on a deep understanding the banking industry, he was able to get the bank to offer me such amazing loan. All this success is due to Dwight's tenacity to advocate for client's best interest & his fortitude to get the job done. His persuasive skills with the decision makers helped push your transaction in the right direction. If you want to get the best rate and terms, have a very professional, knowledgeable, experience and caring people on your team to success - contact Pacific Bay Financial and you will be on your way to success.

Steve is an amazing loan officer. He helped my family and me to buy a house with 0 down payment. He guided me through the whole process of buying a house until the escrow was closed. He was working weekends and late night in order for me to get a better APR and better deal. I would highly recommend Steve when you're looking to buy a house or any other property.thank you Steve. Really appreciate your help.

Had a very pleasant, professional experience with Manny & his team. I appreciated working with someone as experienced as Manny. He spoke with me at length to determine my needs and then he searched for the right loan for my specific situation. He's very resourceful and his years of experience were evident. He really came through for me. I had many questions throughout this process and both Manny & Elena were there to explain things. It was a positive experience and I'll return to Manny for all my future loan needs.

Pacific Bay Financial is the place to go if you're looking to buy a house, Steve is the man and is out to look for your best interests, works hard, gets it done. Highly recommended.

They are all true professionals! Manny Kagan and his team helped our family to buy an excellent condo. Thanks a lot!

I had a great experience with Mayya Brener and Sarah when buying a house. I felt supported every step of the way. Highly recommend!

Had a very pleasant, professional experience with Manny & his team. I appreciated working with someone as experienced as Manny. He spoke with me at length to determine my needs and then he searched for the right loan for my specific … More

I have been very skeptical about dealing with loan brokers as I believed that there is no need for a middleman who will get paid for something you can do yourself. … More