Del Mar, CA

Let’s talk! Contact me now




Let’s talk! Contact me now




 The Rafii Group

NMLS ID#5341
Phone: 760-405-0711
Fax: 888-363-9821
E-mail: mike@bayeq.com

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

The Rafii Group


We at The Rafii Group love our community & the people that we are privileged to meet and assist with their home financing. We are a forward thinking team, committed to helping our clients obtain real estate financing tailored to their personal needs and goals, all while exceeding out clients' service expectations. From initial application, through processing and funding of the loan, our clients are dealing with the very best in the business; a team committed to providing our signature 5-star service, and getting loans funded quickly and efficiently.

“Mike and his team went the extra mile to help us first finance and then refinance our house. Ours was a difficult case for a series of reasons, and Mike overcame hurdle after hurdle and never gave up on us. During the processes of both transactions Mike was always in contact and always available not only over the phone but personally at his office. I stopped by his office several times with a series of questions and inquiries I thought best to ask in person and he was always there, patiently explaining and answering every one of my inquiries. I sincerely believe I would have been turned down by other lending professionals when they had seen my case. It was a complicated one. I feel lucky to have found Mike and I feel grateful for the extra effort he made for us. Thanks to this effort by Mike and his team we now have a loan with a very affordable monthly payment. He made home ownership for us a reality.”

Raul A.

“If you are in the market for a new home purchase I highly recommend Mike and his team. Bottom line; great rate, open and honest, and made sure the loan was approved to meet my close deadline. Communication from his team was prompt, responsive, and interactive. Throughout the process I knew that the financing would be in order. Service and communication back and forth were top notch. Highly recommend you allow Mike and the team to make a competitive offer when you are in search of your next home. All around superb!”

Steven D.

“This has been the most honest, professional I have yet to complete a transaction with. By far the best in the business. I am currently an overseas deployed soldier and Mike and his team still was able to complete a refinance while I am away. On behalf of my family and myself, thanks to Mike, Mark and the entire team...”

Gregory F.

“I thanked Mike Rafii and his partner Mark several times throughout the close of our new home. Most of the time I followed it by saying how great they are at their jobs and how lucky we were to get them as our lending agents. It wasn't some attempt to butter them up. They were that good, and so on top of every detail. It's strange to say but now that the home is officially ours, I miss dealing with Mike and Mark. I miss their professionalism, their sense of humor and straightforwardness. While that might be due to the fact that I am now knee-deep in remodeling our home and I miss those days sitting at my desk talking to Mike, my bones and muscles not aching from tearing down walls and climbing in attics, I know deep down it's because these guys and their crew are really that good. So, long review short, thanks Mike and Mark for all of your help. If we ever do it again, you will be our first and only choice.”

Dorian H.

“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.