California · Licensed mortgage brokerage
Financing built around your file, not a bank’s product sheet.
Bay Area Capital Funding places home loans with a network of wholesale lenders throughout California. That means your application is matched to the investor whose guidelines and pricing actually fit it — rather than to whichever single product one institution happens to be selling this quarter.
What we finance
Purchase, refinance and everything in between — for primary residences, second homes and investment property anywhere in California.
Home purchase
Financing for your first home or your next one, with a pre-approval you can put in front of a seller.
Read more →Refinance
Lower your rate, shorten your term, or move out of mortgage insurance you no longer need.
Read more →Jumbo loans
Loan amounts above the conforming limit — routine in this market, and priced competitively.
Read more →Cash-out refinance
Put the equity you have already built toward a remodel, tuition, or clearing higher-interest debt.
Read more →FHA & VA loans
Government-backed programs with lower down payments — and no down payment at all for eligible veterans.
Read more →Construction loans
Financing to build from the ground up, or to fund a renovation too large for a cash-out.
Read more →Reverse mortgages
For homeowners 62 and older: convert equity into income or a line of credit, with no monthly mortgage payment.
Read more →Investment property
Purchase and refinance financing for rentals, second homes and small multi-unit buildings.
Read more →How we work
Consultation
A conversation with one of our advisors — no cost, no credit pull. We establish what you are trying to do and tell you honestly whether it works.
Application
Our secure borrower portal walks you through the application and accepts document uploads around the clock, so you are never waiting on office hours.
We take it to market
Your file goes to our wholesale lender network and we compare real terms across it — not the single product one bank happens to be selling.
Underwriting to close
Our processing team prepares the file properly before it reaches underwriting, and you keep one dedicated advisor from application through signing.
Why borrowers choose a brokerage
A lender network, not a product sheet
As a licensed brokerage we place files with many wholesale lenders. When one investor tightens guidelines or prices badly, your file moves — a retail bank has nowhere to move it to.
Files prepared before underwriting
Our processing staff assemble and review the file first. Most delays are conditions that could have been anticipated, and catching them early is what keeps a closing date real.
Complex income understood
Self-employment, RSUs and equity compensation, bonus income, multiple properties. Bay Area borrowers rarely have simple W-2 files, and our team works with these every week.
One dedicated advisor
Scale should not mean a call center. You get a named advisor with a direct line, backed by processing and support staff who keep the file moving.
Institutional backing
We operate under Silicon Valley Capital Funding, Inc., a licensed California real estate broker with its own NMLS registration, compliance oversight and lender relationships.
California market knowledge
We lend statewide, and California appraisals, competing-offer timelines and county-by-county jumbo thresholds are the daily work here — not an occasional exception to a national playbook.
What clients say
We were first-time home-buyers and Helen was great at guiding us through the loan process.
Helen’s pre-approval letter helped to make our offer package so strong.
I received an amazing loan package that was a far better fit than what I was being offered.
Read reviews at the source: Redfin · Yelp
Testimonials reflect the experience of individual clients. They are not a guarantee of any particular rate, term or outcome, and individual results vary. All loans remain subject to credit approval and underwriting review.
Where we lend
We are licensed throughout California and lend across the whole state — from San Diego to the Oregon line. Our roots are in the Bay Area, where most of our borrowers are and where we know the appraisers, the timelines and what a competitive offer actually looks like.
- San Mateo County
- Santa Clara County
- San Francisco
- Alameda County
- Contra Costa County
- Marin County
- Sonoma County
- Napa County
- Solano County
- Santa Cruz County
- Monterey County
- Sacramento
- Los Angeles
- Orange County
- San Diego
Not on the list? We lend there too — these are simply where we work most often.
Let’s look at your numbers.
Start your application in our secure borrower portal, or speak with an advisor first — a conversation costs nothing and does not touch your credit.