DRE: 02157649

MLO: 1152887

Vast view of the Redwood Trees in the afternoon.

In English

En Español

  • Phone

    (707) 572-7338

  • Email

    freddy@mountainbaymortgage.com

  • DRE

    02157649

  • MLO

    1152887

Vast view of the Redwood Trees, with a trail in between.

We understand that finding the right loan can be overwhelming. That's why we're here to help simplify the process.

Freddy and his daugther having fun.
Freddy holding his daughters for a picture with the woods as a background.

Why choose us?

We unlock opportunities for successful loan solutions

We're a local, family-owned residential and commercial loan consulting company based in Humboldt County, CA, dedicated to providing personalized and successful loan solutions to the community.

  • Local Family Owned

    Being family owned we offer a personal touch fostering trust and building long-lasting relationships with clients.

    Equal Housing Opportunity Lender

    We provide fairness and equality in lending regardless of your background or personal characteristics.

    Extensive Network of Lenders

    With our network of lenders we offer clients a wide range of financing options tailored to their unique needs.

    Expertise & Knowledge

    With our network of lenders we offer clients a wide range of financing options tailored to their unique needs.

Family standing in front of house taking a picture.

Our Services

Financing Solutions for Homes and Businesses

Explore top-tier residential and commercial financing solutions with Mountain Bay Mortgage! Find personalized loan options to suit your unique needs, whether you're buying a new home or growing your business.

  • Close-up of a person in a suit holding a model house, representing residential lending services.

    Residential Lending

    • We provide refinancing options to improve your current mortgage terms.

    • Our loan products include fixed-rate, ARMs, FHA, VA, and USDA loans.

    • We conduct thorough credit checks to assess eligibility.

    • Our services comply with all lending regulations to ensure a smooth process.

    • Down payment assistance programs are available to help with initial purchase costs.

  • Professional in a red blazer holding a model of a commercial building, depicting commercial lending services.

    Commercial Lending

    • We provide loans for commercial property purchases.

    • We offer loans for office buildings, retail spaces, and industrial properties.

    • We ensure compliance with all commercial lending regulations.

    • We provide competitive rates and flexible terms.

    • We offer construction loans for new commercial developments.

  • Green steel bridge structure against a clear blue sky, symbolizing bridge financing solutions.

    Bridge Financing

    • We design flexible terms specifically for your bridge financing needs.

    • Our bridge financing solutions offer rapid access to necessary funds.

    • We provide competitive rates for all bridge financing services.

    • I guide you through the bridge financing process with expert advice.

    • We ensure a smooth transition with our efficient bridge financing options.

  • Two people shaking hands with documents and charts in the foreground, illustrating private lending agreements.

    Private Lending

    • We provide private loans for real estate investments and personal projects.

    • Our private lending services offer rapid access to funds with minimal paperwork.

    • We design customized loan terms to suit individual financial situations.

    • We offer competitive interest rates for all private loans.

    • We ensure a seamless and efficient private lending experience for all clients.

Redwood Trees

Mountain Bay Mortgage is a family-owned business that provides a personalized touch ensuring that clients receive financing solutions to meet their unique needs.