Mike took the time to keep us informed and provided insightful, smart guidance along the way.

Dan | Carlsbad, CA

Mike Rafii

Regional Manager

NMLS ID# 5341

445 Marine View Avenue
Suite 200
Del Mar, California 92014

At The Rafii Group, our mission is to provide our services with a more personalized, intimate approach that is rarely found when working with larger banks and lending companies. We firmly believe that getting a home loan and navigating the purchasing process should be a comfortable and empowering experience. Our clients receive the best mortgage recommendations for their financial needs, and are treated as part of our family. We always ensure that information is conveyed in the most simple, effective way so that our clients completely understand the process, and walk away feeling knowledgeable and at ease. With over 25 years of experience and success, we are committed to offering 5-star services in all aspects of our client relationships, from your consultation to the close of your loan, and in the years after – we’re with you every step of the way.


Home-buying by numbers


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At The Rafii Group, we're here to get you home.

Owning a home is one of the most rewarding and significant parts of someone's life. Here at The Rafii Group, we are passionate about helping families turn their dream of owning a home into a reality.

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What people are saying

Mike Raffi and his entire group guided us through every detail in our Mortage Refinance process. They handled each step with a high degree of professionalism and Trust. We would not hesitate to refer The Raffi Group to our family and friends.
- patzhnr
This was our second time using the Mike Rafii and Bay Equity Home Loans. I can not say enough good things about Mike and his team. Not only were they extremely professional, the entire team made my family feel confident with the entire home buying process. Mike has become a good friend of mine and would strongly recommend using Bay Equity for any other home buyers. Thanks for everything guys! The Peltier Family
- zuser201406232134346
Mike and his staff at Bay Equity are wonderful to work with! They know their stuff! They are always there for you to answer any questions. They are always professional but personable. They go the extra mile to help you find a home and payment you are comfortable with. Call Mike Rafii today!
- Sophia
Every step of the way, Mike Rafi was there to make sure we got the best service possible and knew what to expect. Our transaction was smooth from beginning to end. Thank you Mike. Rafi!!
- Jewel, Oceanside CA
Bro is a stud and can move mountains
- Michael, Santa Cruz CA