At Pacific Bay Mortgage we offer a wide variety of home loans with competitively low interest rates. These include FHA, VA, USDA, Conventional and Jumbo loan products, as well as a variety of programs for first time homebuyers and non-first time homebuyers including down payment assistance, government grants and assistance programs offered specifically to our local community of Elk Grove, California. We also offer a specialized program for county, state and federal employees, which discounts the cost of loan products and offers large lender and realtor credits.

As a loan officer I specialize in: communicating to and educating clients on all different loan products, the pros and cons of each, and helping borrowers find the right loan program that is the most comfortable fit for their budget. We offer free individual consultations, group seminars and plenty of information to insure each borrower knows the exact details of their potential mortgage product.