You Can Have It, We Can Deliver It.

We offer the widest and most flexible loan variety for residential, commercial & investment properties.

  • Single Family Residence
  • Multi-Family Buildings
  • Commercial Properties
  • Mixed-Use Properties
  • Manufactured Homes
  • Land & Construction Loans
  • Industrial, Retail & Office
  • SBA Loans
  • Lines of Equities

The success of your financial planning and equity building depends on choosing the right loan. We Help You Get It Right

Experience - Integrity - Professionalism

  • Shopping for the right loan at the best possible terms for our clients requires good amount of knowledge and a great deal of experience in the lending business. Our experience spans over eleven years in the lending business and hundreds of millions of dollars worth of loans closed.
  • When you come to us for your loan, we are not just thinking of a one-time deal, we are looking for a long-term relationship built on trust, honesty and what is best for the client first and foremost.
  • At Bay City Financial, we build our business one loan at a time. It doesn't matter whether the loan is small or large, we take our job seriously and we treat every loan as if our whole business depended on it

Let us help you get your home today.


Years Experience


Loans Closed


Of our clients would recommend us


Rated mortgage company in San Bruno

Low Rates. Zero Hassles.


Bay City Financial is a tier one broker with the lenders who we are approved with. We have many investors and wholesale lenders who are competing for your loan and that translates into guaranteeing that you will get the best rate and the most favorable loan terms.

We can underwrite and approve loans that other lenders are unable to, and are always ready to pass on the discounts that we receive to our borrowers in order to help them with the financing of their dream home. The Borrower's Interest comes first.

Although we are located in San Bruno, we do business in all surrounding areas such as San Francisco, San Mateo, Alameda County and throughout the entire State of California.

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Loan Options

We Offer Many Different Loan Programs To Meet Your Needs.

FHA Loans

FHA loans are a popular choice among first time homebuyers given their low down payment requirements and ease of qualification.

Home Refinance Loans

Learn more about how refinancing your mortgage can help you save money over the life of your loan by lowering your interest rate or reducing loan terms.

VA Loans

Veterans, active military, and their families can take advantage of a VA loan to purchase a home with no money down, great interest rates, and no private mortgage insurance.

Jumbo Home Loans

Jumbo loans can be the perfect option if you are looking for a home loan that exceeds the limits placed on government backed options such as FHA loans.

Home Purchase Loans

Whether you are interested in a Conventional Loan, FHA Loan, VA loan or other financing option, our team of experts will help you find the solution that works best.

Conventional Loans

Great rates and buyer flexibility make conventional loans the most popular mortgages on the market today. Plus, we'll get you the best rate available.

What our clients are saying

Alia Dudum

Hani was great to work with! He secured an excellent rate for the refinance of my condo and kept my interests in mind throughout the entire process. I highly recommend him if you are looking to finance or refinance a mortgage. I plan to work with him for any future needs. Can't recommend enough!

Judd Habash

Hani Kaileh was a pleasure to work with, always answered my questions in a timely fashion and was extremely knowledgeable.

He is kind and friendly and amazing to work with, I would recommend him to anybody looking for loan inquiries.