San Diego, CA

Let’s talk! Contact me now

Let’s talk! Contact me now

Michelle Morris

NMLS ID#264030
Phone: 619-850-3600

Point Loma Branch
4980 North Harbor Drive, Suite 203
San Diego, CA 92106

Michelle Morris

Senior Loan Officer

You might seek out a mortgage professional because of a financial goal, such as buying a first home, refinancing a mortgage, pre qualifying for a mortgage, obtaining a home equity line, or investing in real estate. You’d seek me out, specifically, because of my twenty-year track record: I pride myself on attention to detail, tremendous product knowledge, and personal attention to all of my clients. I treat every loan like my own. 

Because there is no one-size-fits-all mortgage, we will, together, thoroughly and thoughtfully excavate your needs, wants, and financial situation so that we can discover the correct path, and the correct loan, for you to achieve yours. I cater individual loan programs to individuals – I ask the right questions (and usually a lot of questions), in order to find out exactly what your needs are.

My specialty is creative financing for any type of loan, if needed. I am also adept at streamlining the loan-obtaining process for all applicants. I want to simplify your life, not complicate it. My talented support team and I will move your loan file along quickly and efficiently. We will walk you through the process, explain everything thoroughly and answer any questions you may have, and even hold your hand along the way, if need be. I strive to form lifelong relationships with my clients, and to always be there for your current and future financial needs.

Some of the products I offer include:

Jumbo Loans
15 and 30-year Fixed-Rate Mortgages
Adjustable Rate and Interest-Only Loans
Conventional Loans with as little as 3% down
100% Financing through USDA and VA
FHA with Down Payment Assistance
Lot Loans
Construction Loans
Reverse Mortgages

Monetary success has never been my primary motivation. I am a wife, a mother, and a grandmother, first; I believe that family is paramount. I have 5 children and 14 grandchildren. Tellingly, I was a OB/GYN nurse before I was a mortgage professional. I used to heal people physically; now I heal them financially. 

I look forward to meeting you and helping you achieve your financial goal too!


Let’s talk! Contact me now


“I wanted to take a minute to thank you both for all of your help and hard work though this home buying process. M and I have been wanting to buy a place of our own for years. Personally, I’ve been waiting to do this for over 20 years. Up until yesterday, I’ve been preparing myself for profound disappointment. I was sure that we would never find anything as nice as our rented townhouse – 1330 sq ft, a two car garage, and in a nice neighborhood… improbable. When we found it, I stayed positive but every day that went by, I prepared myself for a call that something fell through. I don’t know if it was luck, fate or divine intervention, but we now own a home much nicer than our rented townhouse. Every step of the process was easy, or at least as easy as I can imagine buying a home could be. That was due to both of you. You explained every question we had, held our hands and walked us in the right direction. You had our backs. My words cannot express how grateful we are for your help and service. We do not own a million dollar single family home, but what we do have is our dream home. It is more than we expected and everything we could have hoped for. Even though it’s still empty, it’s overflowing with love. It’s a testament of our hard work and determination over many years. It’s ours and we wouldn’t have it without either of you.”

M & M 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.