We help bring your plans to life.

Home Bay Financial is the easiest and fastest way to get a low-interest mortgage rate.

Purchase home

Buy a home with little down at the lowest rates in California.


Lower your payment or cash in on your home’s equity.​

No spam. No hidden fees. No commitment.  

Easy steps to a customized mortgage plan for you.

Get a free rate quote

Fill out our easy online application to find your best rates and terms. It's totally free and no commitment for you.

Choose a loan

Speak to one of our experts on the phone and go over your customized recommendations. Our experienced loan officers can answer any questions you may have.

Get approved

Once you've chosen your loan rate and terms, your Home Bay representative will take care of the approval process for you. Just send us the necessary documentation and we lock in your rates.

Completely virtual home loans.

No need to go to the bank or compare rates. We facilitate loans completely online and over the phone. Easy documentation uploads and e-signatures make the process easy and secure. 

Your guide to mortgages

Have questions? We are happy to help. Fill out our form or check out our mortgage FAQ. 

We use rate-analyzing software to compare rates and lock in the lowest option for you. We are also committed to providing customized options, and will always work with you to find the best rates and terms. 

We use a data-driven system to connect you with the best available rates available across all local lenders. The price that we quote you will be influenced by your credit history, property details, and market conditions. If you ever need more information, we can help with details.

Our agents are available 9-5 PST to discuss your personalized plan. Call 209-337-5705 or fill out our easy application and someone will be in touch with you shortly. 

Let us find the perfect mortgage option for you.

16950 Via De Santa Fe, Suite 5060-106
Rancho Santa Fe, CA 92067

CAL DRE Corp ID # 02090922

NMLS# 1856453

We’d love to speak to you! 

Call or email and we will get back to you as soon as possible.