Patti Matta is top-knotch, a person of integrity, and a true expert in the Mortgage profession

Dede M - Zillow Testimonial

Patti Matta

Senior Loan Officer

NMLS ID# 256791

4909 Murphy Canyon Road
Suite 510
San Diego, California 92123

The housing and mortgage markets are constantly changing and require a steady and experienced adviser. As a lending professional at Bay Equity, I am dedicated to helping you with all your home mortgage needs.

I have 25 years of experience, and whether you are buying or refinancing, buying your first home or building your dream home, I will help you navigate the many options to find the right loan for you and your family. I have developed many strong relationships in my career because I’m committed to my promise.

My promise is to give you my personal attention to your details and provide a specific strategy for a mortgage loan tailored to fit your needs in addition to giving you a competitive mortgage rate.

We provide a wide array of mortgage choices including:

  • First-Time buyer programs
  • Fannie Mae and Freddie Mac,
  • Government Lending (FHA, VA, and USDA),
  • Investment property lending
  • Jumbo options including interest only
  • Expanded loans – bank statement programs & asset depletion
  • I also offer over 20 years’ experience in manufactured home loans!

When I’m not working on your loan transactions, you can find me on long strolls with my black labs affectionately known as, “the girls” Lexi and Brandi!

What people are saying

Patti makes everything GREAT! I am a 3 time returning customer over the last 5 years. She is very knowledgeable, professional, pleasant, fast to follow up, easy to get a hold of, patient and detail oriented, making her awesome. Side note - I was referred by a friend and past customer of hers, and I drive past her office all the time but WE HAVE NEVER MET in person. Literally did the loans via the web/phone/email and a notary to make it legal. Pretty cool, like Patti!
- Gene, San Diego CA

Home-buying by numbers


Your monthly mortgage
Estimate includes principal and interest only. It does not include taxes and insurance. Talk to a loan officer for specific calculations.


What’s your monthly payment?

Estimate your monthly mortgage with this home loan calculator. Just remember, your results are only estimates.

Contact me and I can get you an official figure. I’m here to help.

Need some help?

Here you’ll find a number of different downloadable PDFs with important information I want to share with your about mortgage loans, rates, and home ownership!