Del Mar, CA

Let’s talk! Contact me now

Let’s talk! Contact me now

Sylvia Sanders

NMLS ID#633013
Phone: 760-429-4470

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

Sylvia Sanders

Senior Loan Officer

I have been in the mortgage industry since 2005. I specialize in VA, FHA, & first time homebuyer loans- but also love to work with move up buyers and investors. My previous career was in education and it greatly influences how I approach clients. I believe in educating borrowers about all aspects of their home loan and the process of buying a home. Encouraging borrowers to ask questions and to understand their loan options is key in assisting them in one of the most important financial decisions that people make in their lives. Being available & able to answer their questions and deliver multiple financing options is a rare quality in the lending industry. These are all things that I bring to the table as your personal loan consultant.

Working for Bay Equity Home Loans allows me to have the tools and loan programs to deliver quality service and on time closings. At Bay Equity Home Loans, we are back to "common sense" underwriting and giving borrowers, sellers, and real estate agents the service and fast answers that they deserve. Having our seasoned loan processors physically in our local offices allows us to accomplish this. Combine all that with competitive rates and you have the one of the best lenders in the industry.


Let’s talk! Contact me now

“I have worked with Sylvia on a few of my transactions...And has been on top of her game for everyone. Qualities: - Very Responsive - Great Communication Skills - Explains process of transaction - Gets the Deal Done. I would definitely recommend her services again!! ”

Glennford B., San Diego, CA

“I have been around many mortgage lenders and Sylvia Sanders is one of the most professional top notch lenders I have ever done business with! She helps to educate as well as find the best loan program for your specific needs. Her clients are well informed and are prepared by the time they go into escrow. I enjoy working with Sylvia and her clients and would recommend anyone looking to refinance or purchase to call her first! ”

Vance B., Solana Beach, CA

“Patience. Sylvia Sanders is above and beyond professional as well as patient. I had so many questions and every time she had a welcoming answer. Always available and informing, on the ball. She even conference call with me to my student loans to help me clarify confusing situations that I had. I would and have recommend Sylvia Sanders to anyone that is in need of lending services. ”

Ramon H., Chula Vista, CA

“A true professional and quality loan officer. I worked with Sylvia both for my initial home purchase in 2009 and my refinance in 2013. Both transactions were smooth and painless for me because of Sylvia's knowledge and work ethic. She is timely with all matters of business and always has her client's best interest at heart. I would highly recommend Sylvia Sanders to anyone looking for a loan officer in the North County/ SD area. ”

Rudy C., Oceanside, CA

“We were extremely fortunate to be referred to Sylvia Sanders for our home mortgage loan. First off, Sylvia is incredibly knowledgeable, professional, and takes her job seriously to make sure that everything is done and on time the first time with zero mistakes. Sylvia is very friendly and personable to work with and always takes the time to explain every step and process along the way. Sylvia even made herself available after hours and on weekends to answer questions for us. I would very highly recommend Sylvia to anyone looking for the Best Loan Officer to assist you through a loan or refinance of an existing loan. You won't find anyone better. Thank you Sylvia for all the hard work and above and beyond effort you put in for us. It is greatly appreciated. ”

Gary T., Escondido, CA

“Sylvia was great! When my wife and I were in the process of purchasing our first home we were both novices. Sylvia was full of information and taught us a lot about the process. For V.A. buyers I highly recommend Sylvia, she knew all the rules and regulations that come along with a V.A. loan. When we purchased our home we were on a time crunch and needed to close quick. From what I understand that can be difficult with a V.A. loan but Sylvia was able to get it done. Sylvia is organized and highly professional. From the first meeting I had with her I was confident that she would be the best for the job. I recommend Sylvia with all the confidence in the world that she is the best for the job especially for V.A. buyers. ”

Lorena I., Fallbrook, CA

“We just purchased our first home and I can't tell you how excited we are. It has been a long journey and Sylvia was just the perfect person to handle our situation. We had a lot of work ahead of us and with Sylvia's guidance and patience we managed to get through it. We always knew Sylvia looked out for our best interest and we trusted she wouldn't leave no stone unturned. We were in great hands. ”

C. E., San Diego, CA

“Working with Sylvia brought calm and assurance to a transaction that was challenged by time deadlines. While I was representing a seller in a home sale she was diligently working on the loan for the buyers. She became a valuable resource for my seller as well as he was able to come to her for information about his new VA loan in another state. We were on a very serious deadline and I was worried it might be impossible- Sylvia knew how important it was to close early. She jumped through every hoop, fought off every roadblock or negative thought. We closed early, saved my seller's new purchase! I'm grateful for Sylvia - She's steady, smart, determined, caring and highly ethical. ”

Helen Najar, Remax, Long Beach, CA

“Wow, is all I can say, Sylvia is a get it done, and get it done right individual. Compared to other mortgage loan officers, well there is no comparison. Sylvia = Great work work ethic, in depth understanding of the loan process and what it takes to get it done, and personal appeal that compliments the rest. Reachable anytime, says what she does, and does what she says, what a concept. An analytical approach to lending compared to a cookie cutter bureaucratic approach. I would go out of my way to recommend Sylvia for your home loan needs; furthermore, I would not waste your time with anyone else, or it would be a waste of time. ”

Skip Huber, CPA, Long Beach, CA

“Sylvia recently helped me with one of my military clients. I was amazed at her knowledge and professionalism in keeping me "in the know" through the whole process of the loan. She worked very hard and was always accessible to me and my client. I've been in the Real Estate business for several years and I've always had to call the lender to stay up to date with the loan, this was not the case with Sylvia. I would recommend Sylvia to anyone looking to purchase a home because she does an excellent job! Thanks Sylvia for all you did and I'm sure we will continue to work together with other clients of mine or anyone I know that is going to finance a home. ”

Betty J., Menifee, CA

“Sylvia was a rescuer for us. We were engaged with a mortgage broker who was visibly bothered by our questions and made us do repeated visits as she articulated one need at a time (it was our first home purchase). Our excellent real estate agent recommended we change over to Sylvia, so we did and in short order we understood everything needed and got the loan approved. No matter when we had a question, she quickly returned our call and remained enthusiastic and upbeat throughout the process. I have absolutely no hesitation recommending Sylvia for your home loan needs, especially if this is your first go-around. She simply rocks. ”

Matt C., Valley Center, CA

“I've been in this business for quite some time and have worked with many different lenders...Sylvia is one of the best I have had the privilege to work with. She is creative, tenacious and open. She works very hard for her clients! Sylvia understands that every client's needs are different and customizes her service to fit that individual or family, regardless of their culture. She works incredibly hard to make sure their needs are met and their expectations are exceeded! A true professional! She delivers service second to none and knows her products and her company well. She ensures the client comes into the home buying process well prepared and educates them so that they can have their eyes wide-open. She delivers 10 times out of 10! I can boast of a 100% closing rate with her. I cannot give a higher recommendation! She should be your first call, but you can call on her even if you are in troubled waters. Borrowers can expect accurate and reliable information. The best thing about her, she's available, approachable and almost perfect. A professional that realizes that in this business, it is all about the client! ”

Willie Dodson, Cabrillo Team Realty, Oceanside, CA

“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.