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Opening Time

Mon - Fri 09:00 - 18:00
Sat 09:00 - 14:00

Phillip Baltazar

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.


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

Spoken Language: English

Mortgage Rates

Why are our rates so low?

  • 1. We shop dozens of the top lenders in real time to find you the best rate.
  • 2. Loan Factory was the #1 Mortgage Broker in the US in 2021 & 2022. Because of this volume, we can negotiate ridiculously great rates with lenders.
  • 3. Our profit per loan is much lower than others. I know that if I give you an amazing rate, term, and service you will share your experience with others.

Our Accomplishments



$11.8+ billion

In Closed Loans


Ready to settle your mortgage plan?

We are here to help you with the great deal in the market.

Services We Offer

Home Purchase

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.

Re-finance Low Rate

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.

Re-finance Cash Out

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.

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.

Contact us today

Your home is one call away. We will get back to you immediately.


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