Del Mar, CA

Let’s talk! Contact me now

Let’s talk! Contact me now

Michael O'Brien

NMLS ID#227137
Phone: 858-657-1048
Mobile: 619-990-7555

Del Mar Branch
445 Marine View Avenue, Suite 200
Del Mar, CA 92014

Michael O'Brien

Senior Loan Officer

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.

My passion is to educate, advise, and guide Home Owners, and Home Buyers, on the best way to finance their Dream Home or Investment Properties.

I guide you through the entire loan process from start to finish.

I ensure the loan closes smoothly and everyone is happy with the result! 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. I look forward to working with you and am always available to answer your Real Estate Mortgage questions.

Talk soon!

- Michael

Check out my reviews on Zillow
" Michael and the Bay Equity are wonderful. Words cannot describe how Michael helped me navigate a home loan and was successful at helping us finance ... more "
by erntootjess
" Michael is a very friendly, knowledgeable, and accessible broker. I have two loans brokered through him, and am extremely satisfied on how each loan was processed. I felt he always got us the lowest interest rate, and one time, when we thought we might go with another company after we ... more "
by zuser20160725075221497
" Michael knows and is passionate at his job. The loan process was smooth and explained to me in a manner I could understand. Definitely would recommend him if your in need of a loan. ... more "
by melcolorina
michael.o’brien on Zillow

Let’s talk! Contact me now

“Michael was recommend to me by a good friend who's judgement I respect. My house refinancing project was not a quick process. It took a couple of years for home values to appreciate and make refinancing my home possible. Michael understood my position, and hung in there until things could work out in MY favor, not just HIS. He was a pleasure to work with and always held the notion that any deal would need to be good long term for all parties involved. His low pressure, friendly manner was very welcome in the high pressure world of real estate. His expertise and anticipation of events was spot on! I highly recommend Michael and Bay Equities. If I need any assistance in the future concerning anything real estate, I will call him first.”

Mike M.

“Michael came highly recommended by a friend who'd just been through the first-time home buying process. Like them, my husband and I weren't knowledgeable about the ins and outs of realty. Michael assisted us with kindness and attention as we successfully secured a loan and bought our house. Since then, we've worked with him twice to refinance. Every time we've worked with him he's treated us with dignity and has spent countless exchanges on the phone and by email explaining the process to us in ways we could understand. I couldn't be more pleased and impressed with his attitude and ability to help us achieve our goals swiftly, despite our changing life and work situations. Whether you are a high-dollar buyer or a family looking for a cozy place to call home, he will deliver. Thank you Michael!”

Emily T.

“The loan refi process takes guidance and coordination consistently. Michael and his team exceeded our expectations for complete and total execution. Thanks Michael and team!”

Bill P.

“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!”

Melissa L.