BaySierra Financial, Inc. (BSF) offers a broad variety of real estate loan products to our clients. BSF's agents are well versed in all aspects of real estate finance...

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Opportunity profiles are up to date and available right here on our website. Please look them over and contact us to discuss the details.

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Financing your home is about more than finding an attractive interest rate. It's about service, integrity and experience.

Before you decide to purchase or refinance a home, our Loan Consultants will help you develop a mortgage solution that fits your financial goals.

Since there are many loan programs available (conforming and jumbo) and interest rates can change on a daily basis, please contact us regarding current interest rates.

You will be asked to provide information such as:

  • Type of loan you are looking for
  • Current mailing address
  • Monthly "gross" salary (pre-tax)
  • Monthly debt payments (credit cards, auto loans)
  • Current housing payment or rent
  • Social Security Number

Once we have gathered the pertinent information, we can recommend loan programs that will fit your needs and qualifications.

Reverse Mortgage Loans

A reverse mortgage loan is offered to homeowners, age 62 years and older, which allows a homeowner to tap into the equity they have in their primary residence.

Reverse mortgages offer several payment plan options including term, line of credit and lump sum. Rates can be either fixed or adjustable depending on the option chosen.

In most instances, there is not income or credit qualification and no required payment until the borrower permanently leaves the home.

The reverse mortgage in itself in not complicated; however, the decision to go forward with a reverse mortgage should be reviewed in detail. Appointments can be made, at no cost, for an explanation of the reverse mortgage process.