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Terms & Conditions
Please review our terms and conditions carefully. By using BayArealty.com and our services, you agree to be bound by the following terms. These terms govern your use of our website, loan application services, and all related tools provided by Bay Arealty .
Trusted by over 2,500 California families
2500+
Families Helped
$1.2B+
in Loans Funded
23-Day
Avg. Closing
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Bayarealty SMS Terms and Conditions
Effective Date: 3/20/2026
Introduction
By joining our SMS program provided by Bayarealty you agree to receive recurring text messages (notifications, updates, and reminders) on the number you provide, under these Terms that adhere to TCPA (2026) and CTIA Best Practices.
Opt-In Consent
In accordance with the 2026 TCPA guidelines, your participation in our SMS service requires explicit one-to-one consent. This means that by opting in, you consent to receive messages from Bayarealty only. Consent cannot be shared with other companies or third-party entities without your direct approval.
To join our SMS program, you may opt in through the following method, in compliance with the 2026 CTIA Guidelines:
Web Form:
Provide consent by checking a clearly labeled checkbox explicitly stating SMS program enrollment during the opt-in process.
Message Frequency
You will receive no more than 3-5, unless for urgent notifications. Standard carrier rates apply.
Opt-Out Process
Reply "STOP" any time to end messages; "HELP" to receive support instructions; or contact bayarealty.genesisloans@gmail.com / (408) 662-5145.
Terms of Consent
Your consent is voluntary and not a condition of purchase. You may receive informational messages as described at opt-in.
Privacy Policy
Your mobile number and interaction data are governed by our Privacy Policy: https://www.bayarealty.com/privacy-policy. Data is used solely for SMS delivery purposes.
Message & Data Rates
Standard rates may apply per your carrier plan. Bayarealty is not liable for carrier charges.
Record-Keeping & Compliance
We maintain detailed logs of opt-ins/opt-outs (dates, times, methods) to satisfy TCPA 2026 proof-of-consent requirements.
Changes to Terms
We reserve the right to update these Terms. Significant changes will be sent via SMS or posted online. Continued participation implies acceptance.
Disclaimers & Liability
Message delivery depends on carrier networks; we cannot guarantee uninterrupted service or delivery times.
Contact Information
Email:
bayarealty.genesisloans@gmail.comPhone:
(408) 662-5145Address:
1313 N Milpitas Blvd, Suite 235, Milpitas, CA 95035
What Our Clients Say
We were first-time buyers and had no idea where to start. Our loan officer walked us through every step, answered our calls even on weekends, and helped us close in just 31 days. We got a better rate than we ever expected!
Maria & Jose R., San Jose
First-Time Home Buyers
I was refinancing my home and shopped around with several lenders. Bayarealty beat every quote I received and the process was incredibly smooth. My monthly payment dropped by over $400. Highly recommend their team!
David Thompson, Milpitas
Home Refinance
As a self-employed borrower, I thought getting approved would be a nightmare. The team here worked with my bank statements and found the perfect loan program for me. Professional, responsive, and genuinely caring people.
Priya Sharma, Fremont
Bank Statement Loan
Proudly Serving the Bay Area and All of California
Our roots are here. We live in these communities, raise our families here, and take pride in helping our neighbors achieve homeownership. Whether you're buying in San Francisco, San Jose, Oakland, or anywhere in California, our team is ready to help.
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Whether you're ready to apply or just have questions, we're here. No pressure, no obligation — just real answers from real people who want to help.
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15+
Years Experience
23
Day Avg Close
1500+
Happy Clients