John Sancilio

NMLS # 271343


John Sancilio


Bay Mortgage, LLC offers an efficient, effective, simple way to manage buying or refinancing your home. 

Here's how...

Bay Mortgage, LLC opened in 2005 and has access to wholesale pricing not available to the general public. We are a small, independent, locally-owned company with low overhead. We have no vested business partnerships with real estate companies, builders, law firms nor title and escrow companies so we're able to provide our clients with consistently competitive rates. 

Our very experienced team has collectively worked more than 75 years directly in the mortgage industry. Our seasoned team helps our clients realize a smooth, enjoyable purchase or refinance experience. 

 We believe we provide a superior service platform for our clients. We strive to answer all incoming calls to our office with a live person, return all messages timely, attend the vast majority of our closings, provide effective tools that provide insightful information to help our clients make fully-informed decisions throughout their home-buying or refinancing experience.

Here's why...

We work largely by referral and build our business with satisfied clients one at a time by proudly offering you the rare and valuable combination of consistently competitive rates, a very experienced team, and a superior service platform.

We value your business and thank you for the chance to work together to meet your home purchasing or refinance needs and to assist you in achieving your short and long terms goals.


We appreciate your interest and welcome the opportunity to help you.