Google Rating
4.9
See all our reviews
Your Home. Your Future.
Let's Make It Happen.
Whether you're buying your first home, refinancing, or investing in property — we'll guide you through every step with expertise, transparency, and genuine care.
Trusted by over 2,500 California families
2500+
Families Helped
$1.2B+
in Loans Funded
23-Day
Avg. Closing
Tell Us Your Goals
Find What You're Looking For
Choose your goal to get started. Whether you're buying your dream home or selling your property, we'll show you the right form and connect you with the right experts.
What do you want to do?
👉Select an option to continue and fill out a quick form tailored to your needs.
What Are You Looking to Do?
Buy a Home
Ready to stop renting and start building equity? Whether it's a starter home, your forever home, or an investment property, we'll help you find the right loan and guide you through the entire process.
What you'll get with Bayarealty:
- Pre-approval in as little as 24 hours
- Access to conventional, FHA, VA, jumbo, and non-QM loans
- A dedicated loan officer who answers your calls (really)
- Clear communication at every milestone
Tell us a bit about yourself
Select the option that best describes you to get started
By entering your information in this form, you consent to being contacted, even if you do not complete or submit the form.
Build Your Real Estate Strategy
Schedule a Free Property Consultation
Take the next step with BayaRealty. Book a complimentary strategy session with our real estate and financing specialists to review your goals, explore funding options, and map out a smart path forward—whether you're buying, refinancing, or investing.
Real Humans, Real Answers
When you call, a real person answers. When you have a question at 8pm, your loan officer gives you their cell number. We believe relationships matter more than transactions.
.4b17327a.png&w=128&q=75&dpl=dpl_6ScK7DLHx4Y1dRCn6dqbpKD6f2Pa)
Loans Others Can't Do
Self-employed? Investor? Non-traditional income? We specialize in loans that big banks turn away. Our non-QM and alternative lending programs help people other lenders can't — or won't.
.73b9f1fc.png&w=128&q=75&dpl=dpl_6ScK7DLHx4Y1dRCn6dqbpKD6f2Pa)
Transparent, Always
No hidden fees. No last-minute surprises. We explain everything in plain language, give you written estimates upfront, and walk you through every dollar before you sign anything.
Strategy Call with Bayarealty
30 Min Call
Google Meet
1 on 1
Recently Closed Listings
Explore some of the homes we've recently helped buy and sell. These successful closings reflect our commitment to delivering great results for our clients.
3 Bed 2 Bath Family Home
San Jose, CA
Sold for $1,150,000
Modern Downtown Apartment
Oakland, CASold for $875,000
Luxury 5 Bed Villa with Pool
Palo Alto, CASold for $2,450,000
Cozy 2 Bed Condo
Berkeley, CASold for $690,000
Spacious 4 Bed Ranch
Fremont, CASold for $1,320,0003 Bed 2 Bath Family Home
San Jose, CASold for $1,150,000Modern Downtown Apartment
Oakland, CASold for $875,000Luxury 5 Bed Villa with Pool
Palo Alto, CASold for $2,450,000Cozy 2 Bed Condo
Berkeley, CASold for $690,000Spacious 4 Bed Ranch
Fremont, CASold for $1,320,000Featured Properties
Explore our handpicked homes, chosen just for you.
Silvercrest Bayview Residences
1,950 sq ft · 3 Beds · 2 Baths · Bay & City Views
Elegant Garden Estate
2,500 sq ft · 4 Beds · 3 Baths · Garden & Pool
Classic Country Manor
3,200 sq ft · 5 Beds · 4 Baths · Private Driveway
Autumn Retreat Home
2,100 sq ft · 3 Beds · 2 Baths · Wooded Lot
Coastal Paradise Villa
2,800 sq ft · 4 Beds · 3 Baths · Ocean Views
Your Path to Smarter Homeownership — Simplified
Monitor rates. Move with confidence. Save when it matters.
Whether you're buying your first home or refinancing for a better rate, Bayarealty keeps you informed, prepared, and one step ahead — automatically.
FREE Refinance Rate Alerts
Get instant notifications when mortgage rates drop below your current rate.
We continuously monitor 50+ lenders and market movements
— no commitment, no pressure.
How It Works
Tell Us Your Goals
Share a few details through our quick form or a short call. We learn about your situation, answer questions, and outline your best options — no obligation.
Get Pre-Approved & Start Monitoring
We review your financial picture and issue a pre-approval, often within 24 hours. At the same time, our system begins tracking rates and refinance opportunities for you.
Find Your Home & Lock the Right Rate
Once you're under contract or rates drop into savings territory, we lock in your rate, handle paperwork, and keep everything moving smoothly.
Close With Confidence
We prepare everything for a seamless closing. Sign, get your keys, and move in — with Bayarealty support long after closing day.
Refinance Price Comparison Calculator
Compare refinance options side by side with clarity, transparency, and expert guidance you can trust.
Current Loan
29 Years
New Loan
Refinance details
Rate Difference: 2.50% ↓ Lower
Typically 1% to 1.5% of loan amount
Breakdown
Total Life Time Saving
$449,042
You could save this much over your loan term!
Payment Comparison
Current Payment
$6,348
Refinanced Payment
$4,880
You're Saving
$1,469
Every Month
How Much Can I Afford?
See what home price fits your income, debts, and down payment.
Check Affordability
Mortgage Payment Calculator
Estimate your monthly payment based on loan amount, rate, and term.
Calculate Payment
Loan Programs for Every Need
We offer a comprehensive range of mortgage products. The right loan depends on your situation, goals, and financial profile — and we'll help you find the perfect fit.
DSCR Loans
Best for: investors qualifying by rental income.
How it works: Approval is based on property cash flow, not personal income.
Key features:
- No personal income docs
- 620+ credit, 20–25% down
- Unlimited properties
Conventional Investment Loans
Best for: strong W-2 investors.
How it works: You qualify using personal income, credit, and assets.
Key features:
- Lowest rates
- 620+ credit (700+ ideal)
- Up to 10 properties
Portfolio Loans Options
Best for: complex or large portfolios.
How it works: Lender creates a custom loan outside standard guidelines.
Key features:
- Flexible underwriting
- Finance 10+ properties
- Relationship-based
Fix & Flip (Bridge Loans)
Best for: renovate-and-sell investors.
How it works: Short-term loan for purchase and rehab, repaid at sale or refi.
Key features:
- Fast closings (7–14 days)
- Based on ARV
- Covers purchase + rehab
Cash-Out Refinance (Investors)
Best for: pulling equity to reinvest.
How it works: Refinance and extract cash from existing property value.
Key features:
- Access up to 75–80% value
- Use funds for any purpose
- DSCR or conventional options
Blanket Loans
Best for: multiple properties.
How it works: One loan covers several properties under one payment.
Key features:
- One loan, one payment
- Finance 5+ properties
- Portfolio consolidation
Short-Term Rental Loans
Best for: Airbnb/VRBO investors.
How it works: Qualify using projected or actual short-term rental income.
Key features:
- DSCR-based
- 20–25% down
- Uses STR income data
Bank Statement Loans
Best for: self-employed borrowers without traditional income docs.
How it works: You qualify using 12–24 months of bank deposits instead of tax returns.
Key features:
- No W-2s or tax returns
- Personal or business statements
- 620+ credit typical
- 10–20% down
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.
Ready to Take the First Step?
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.
Get Pre-Approved
Start your application in minutes. We'll get back to you within 24 hours with your options
Begin Pre-ApprovalTalk to a Loan Officer
Prefer to talk first? Schedule a call at a time that works for you — or give us a ring right now.
You Asked, We Answered
Can't find your answer? Reach out and we'll be happy to help.
15+
Years Experience
23
Day Avg Close
1500+
Happy Clients