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Our clients get the
attention they deserve.

Our consistency and customer satisfaction is reflected in our 5-Star client reviews.

Welcome to North Bay Capital

NORTH BAY CAPITAL IS THE PREMIERE MORTGAGE BROKER SERVING BOTH CA AND CO
Are you curious about mortgage rates? Your home’s value? Reverse Mortgage Loans from a financial planning perspective? Our main objective is to provide good old fashioned advice based on what you’re situation is. And if you’re new to the process we promise to make things easy to understand so that you can make the most informed decision that’s right for you.

WHY ARE BROKERS BETTER?
As a mortgage broker North Bay Capital has more lenders which means more competition and lower rates to you, the borrower. We offer you multiple options to lower payments because we have competing lenders who slash mortgage rates and mortgage insurance to get your business. Some of our lenders offer free appraisals, we pass that savings on to you. Big banks put their high interest mortgage rates well above your own interests. North Bay Capital owes our client’s a fiduciary duty to provide the best lender at the best rate possible for your situation. Large banks are very top heavy and slow to complete your mortgage, since we’re a mortgage broker we are light on our feet and quick to close your loan. We close most loans in less than 30 days, meaning that you get into your home faster.

AREAS OF EXPERTISE?
Reverse Mortgage Loans, Real Estate Sales, and Mortgage Broker, Conventional Loans, Down Payment Assistance, FHA, VA, Construction to Permanent, USDA, Bank Statement Loans, Private Money Investors, Commercial, and Non-Warrantable Condominiums. We offer some of the lowest rates with the highest level of service in the industry. Call us and give us a try, we’re nice people and you’ll be glad you called.

SERVICE AREAS
North Bay Capital services all of California and Colorado

We offer a variety of loan options to fit many different scenarios.
Purchase

Fixed Rate Mortgage

Interest Rate and payments remain the same for the entire term of the loan.

FHA

An FHA loan provides a government-insured loan with flexible loan options.

VA

VA Loans offer flexible options as either fixed-rate or ARM mortgages.

Rehab

Roll the costs of the renovation into your loan.

USDA

Purchase a home with no money down in certain rural and suburban areas.

Jumbo

Jumbo loans offer maximum flexibility for home financing for larger loans.

First Time Home Buyer

Popular loan programs for first time home buyers.

Low Down Payment Options

Explore options that may make you a home owner with a low down payment.

Investment Property

Mortgage loan programs for vacation and investment properties.

FHA Construction Loan

Purchase a lot, and finance the construction costs, all in one mortgage.

Reverse Mortgage

The HECM is a safe plan that can give older Americans greater financial security

Refinance

Refinance

Mortgage refinancing may lower your monthly payments.

Cash Out Refinance

You could pay off those high-interest debts by refinancing to a lower rate.

Finding a great home loan involves careful consideration of your needs, finances and history. We are here to guide you.
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