"Michael is a knowledgeable expert working for win-win relationships."


Mike | Escondido, CA


Michael O'Brien

Senior Loan Officer

NMLS ID# 227137

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 "

5.0/5.0

" 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 "

5.0/5.0

Upcoming events


The Keys to Homeownership: REALTOR® Event

The Keys to Homeownership: REALTOR® Event

When: 5/30/2019 12:00PM - 4:00PM

Where: Green Dragon Tavern | 6115 Paseo Del Norte | Carlsbad, CA 92011

Join us for free food & drinks, networking, amazing guest speakers, and more!

SEATING IS LIMITED! REGISTER TODAY!
The Keys to Homeownership: REALTOR® Event

The Keys to Homeownership: REALTOR® Event

When: 5/31/2019 12:00PM - 4:00PM

Where: Stone Brewing World Bistro & Gardens | 2816 Historic Decatur Rd | San Diego, CA 92106

Join us for free food & drinks, networking, amazing guest speakers, and more!

SEATING IS LIMITED! REGISTER TODAY!
The Keys to Homeownership: Home Buyer Event

The Keys to Homeownership: Home Buyer Event

When: 6/1/2019 9:00AM - 1:00PM

Where: Stone Brewing World Bistro & Gardens | 2816 Historic Decatur Rd | San Diego, CA 92106

Join us for a FREE, FAMILY FRIENDLY EVENT! Free breakfast, games for the kids, and valuable information about buying a home in our current market.

SEATING IS LIMITED! REGISTER TODAY!
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Home-buying by numbers

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Built on family and forward-thinking


Meet Bay Equity Del Mar!