Phillip Baltazar
Loan Officer
We offer low mortgage rates available along with a convenient online loan application process supported by a team of experienced loan officers.
Bio:
Greetings, I'm Phillip Baltazar, your Bay Area mortgage expert with over four decades of residence in the vibrant San Francisco Bay Area. With my deep-rooted understanding of the local lifestyle and market conditions, I'm here to guide you through your mortgage journey. You can learn more about me and my services at baltazarbaymortgage.com.
My journey in the Bay Area has been a fulfilling one, with over 20 years of marriage and four wonderful children. Our family's diverse pursuits include our eldest in Dental School, one child excelling in the IT field, another embarking on her first year at SJSU, and our youngest thriving at Valley Christian in Dublin, California. Alongside my family, I've been an integral part of the Tri-Valley community, where my roots run deep.
As a licensed Loan Originator, I bring a wealth of experience and knowledge to the table. I specialize in a wide range of loan types and specialized programs, ensuring that I can assist you in finding the perfect mortgage product tailored to your unique needs.
Whether you're in the market for a personal residence, a second home, an investment property, or if you're looking to refinance an existing mortgage, I have the expertise to locate the ideal solution for you. At the Loan Factory, where we “Dare you to Compare” our rates, we offer a diverse array of mortgage products, including conventional, FHA, VA, USDA, and Jumbo loans. Rest assured; I'll work diligently to identify the option that aligns perfectly with your specific circumstances.
Phone: (925) 895-0261
NMLS#: 2131170
License: CA, TX
Spoken Language: English, Tagalog
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My reviews on Loan Factory
Mortgage Rates
Why are our rates so low?
- 1. WE SHOP RATES FOR EVERY LOAN: We compare rates from 199 lenders in real-time for you.
- 2. WE NEGOTIATE FOR YOU: Loan Factory is the fastest-growing Mortgage Broker in the US. Because we have closed so many loans, we can negotiate and obtain ridiculously low rates from lenders.
- 3. WE LOWER OUR PROFIT: Our profit per loan is much lower than that of our competitors. We aim to earn your business and your referrals.
OUR ACCOMPLISHMENTS
199+
Number of Lenders
8493+
1321+
Ready to settle your mortgage plan?
We are here to help you with the great deal in the market.
Services We Offer
Home Purchase
Are you a first-time home buyer? Let's make an easy start with us. We will guide you through all the paperwork. All you need to do is to trust us and relax.
Refinance Low Rate
Need to refinance to get a better rate? We will get great deals for your financial plan. As rate is updated in real time from lenders, your refinance plan will just get better.
Refinance Cash Out
A cash-out refinance is one of several ways to turn your home's equity into cash. We will help you with your financial plan.
Rudy provided a great buying experience for me in purchasing a home in Monterey Park, CA. He knew the area well, provided excellent guidance, responded quickly when I had questions, and also help me negotiate a highly competitive house that was hot on the market. Thanks Rudy!
Aileen was a pleasure to work with, she helped us to buy a home which we were waiting for a long time. She goes above and beyond to get things done on time. Very prompt in follow ups, responding to emails and text messages. I strongly recommend Aileen if you are buying a house, you can rely on.
Michael is a professional and a gentleman. He was always on time; always prepared; always willing to go the extra mile. He answered all of our questions and provided details and explanations when we were puzzled. He was never flustered, never in a hurry, and never angry. Michael was a pleasure to work with. We are immensely satisfied with Michael's service.
Why Us
Independent Advice.
We commit to always give you independent advice regarding real estate and mortgage options.
Customer First.
We make less per loan than competitors and pass the extra savings to borrowers.
Low Available Rates
You will always get great deals with our real-time pricing engine.
Fast, Convenient, Local Service.
we are just one call away from your requirement.