126 Clock Tower Place, Suite 209
Carmel, CA 92923
Thanks for visiting my web site.
As a lending professional at Bay Equity, I am dedicated to helping you with all of your home mortgage needs.
The housing and mortgage markets are constantly changing. I can help you navigate the many options to find the right loan for you and your family.
Whether you are buying or refinancing, buying your first home or building your dream home, I can explore with you the many options for financing.
You are invited to apply on-line, or contact me to set up an appointment. Either way you will get my immediate and personal attention.
“Dan was very attentive and patient throughout the whole process. We are first time home buyers and he made sure we understood everything and answered all of our questions. He was always available by email or phone and we couldn't have had a better experience buying our home. We would recommend Dan in a heartbeat and were so lucky to have him as our loan officer.”
Mara & Dustin B.
“o We were blessed the day I met Dan. We were about to give up on buying a home. We were working with another person and we were so stressed out and discouraged. He came out to a house we went to view and introduced himself. He sat down and listened to our story. He told us about himself and his company. He explained that we should not be experiencing such stress and discouragement after all this was our first time buying a home it should be great. He set up a time for us to talk. He promised that he could help us. He did just that he went way beyond to get us processed a closing date within a 30 day period. HE IS AMAZING! He walked us through every step talked to us at any time of day and was available to always answer a call. He is caring and takes pride in the job he does. I would highly recommend Dan, he says let me do the work for you and get your loan. You can depend on him. He is truly a man of his word.”
Anthony & Eve M.
“Our loan would not have been possible without Dan’s knowledge, diligence and his teams proactive approach to lending. We had tried and failed to secure a loan with two other loan officers/companies. Each rejection costs us losing home of choice, money and our hope on being a homeowner. Dan was our last attempt in becoming a homeowner. Dan was upfront and honest on what options we had and what hurdles we had to jump since one of us is self-employed. We had a 45-day escrow with a seller wanting to back out a week prior to closing. Had Dan not been on top of our loan, seller could have presented us with a notice to perform and we could have lost out on our deposit, home and fees paid. I feel blessed to have found Dan Pherigo.”
Sigifredo & Amalia O.
“Dan is an awesome lender that I used to purchase my home. He is knowledgeable, honest, dependable, friendly, and has great communication skills. He took the time to explain things to me and helped calm my nerves as a first time homebuyer. Lastly, my loan went through smoothly and that was because Dan was very prompt about getting me the needs forms. I would definitely recommend Dan and would use him for my future purchases. Thank you!!”
“Dan was very helpful and explained the entire loan process in detail. He always answered any questions I had regarding the loan process anytime during the day. Dan made the loan process very easy and stress free. I recommend Dan to everyone that wants to go through a very smooth loan process.”
“About 3 years ago, my husband and I met with a lender to see how close we were to being pre-qualified for a mortgage loan. Knowing that we were new to the mortgage loan process, the lender explained things in a way that caused my husband and I to leave more confused. We were fortunate to meet Dan through our realtor about a year ago. He was patient and thorough when he explained everything to us and didn’t use jargon. Dan has done everything that he could to get us pre-approved. My husband and I finally purchased a home in Soledad, with a new development. This new development offered $5,000 rebate towards closing costs, and unfortunately Dan could not compete. Through this, I was able to see that he genuinely cared for our family. Although we had to go through a lender that was provided by the new development, Dan continued to give me advice and let me know that he would be available if I had questions. He is awesome, and I’m bummed that we had to go another route. I appreciated the fact that he didn’t rush through his work. Dan went above and beyond when it came to doing his homework. I hope that our paths cross in the future when we decide to buy another home. I would highly recommend Dan to anyone who is looking for a lender.”
“Dan provided elite and consistent service throughout our buying process. Kept us on pace to meet our 30-day closing benchmark by providing the appropriate paperwork and explaining with detail each step. We highly recommend Dan, it was reassuring to know our mortgage loan was in good hands and with immediate response when needed.”
Raul & Lily R.
“We had the pleasure and blessing of working with Dan during the process of purchasing our first home. Dan will go above and beyond for people. Our first meeting was on a Sunday at 7pm where he patiently and professionally explained to us the process. I had been trying to work with a lender via email and phone calls and it was just not going anywhere. By the time we closed with Dan, the other lender was still trying to send us questionnaires to see how they could help us (and we started working with the other lender before meeting Dan!). Not only was Dan extremely knowledgeable, he was also a calming presence in this stressful process. We felt like he had our best interest at heart and he offered to answer questions and make himself available even if we went with another lender. He was also on top of the whole process and helped us to close within 30 days AND provided us with an educator discount. Dan is a genuine, honest, and hard-working person. I respect his integrity and work ethic. I truly highly recommend working with Dan.”
“Dan was very helpful with the purchase of my new home. Dan explained every detail in a manner that I could understand, very patient in answering and explaining all my questions. Easy to reach by phone and respond quickly to my emails. I will highly recommend Dan to all my friends and family.”
“We recently bought our home this month with Bay Equity as our loan company. And all throughout our home buying period, we never experienced any problems with Bay Equity. They were actually outstanding! Great customer service, really fast turnaround time, very professional people! They delivered as promised. They actually exceeded our expectations. THANKS, BAY EQUITY!”