I had a great experience working with Dwight on a commercial mortgage refinancing. Anyone familiar with the space knows how difficult and confusing commercial lending can be and it's nothing like a residential mortgage. I thought I had a good handle on it after securing an SBA loan years ago, but pursuing a private refinance was an entirely new ball game. To make matters more challenging, our situation was complex and far from straightforward. I was incredibly fortunate to find Dwight through a referral. He was patient throughout the entire process and took the time to guide us every step of the way, ultimately finding a loan program that met our criteria. I truly appreciated his persistence, follow-through, and high level of professionalism. I would use his services again without hesitation. His service is worth every penny! read more

This is my second commercial real estate loan Dwight Daguman and Pacific Bay Financial have done for me in the past 9 months. Thank you, Dwight and to the company for a job well done! Dwight had warned me that the SBA loan process will be extremely documentation heavy. But he also smoothed the bumpy road for me to accept the scrutiny that lenders undergo when evaluating business entities. During this period, Dwight made recommendations and patiently explained the complexity of the process - and I felt at ease to continue with the process all the way to a successful end. His oversight produced financial gains, both short-term and in terms of long-range asset accumulation planning, for which my family and I will be forever grateful. Kenneth read more

I am a commercial real estate lender that has been partnering with Dwight at Pacific Bay Financial for the last 4 years. Dwight has the great ability of packaging loans and presenting the strengths in a way that the borrowers can secure lending at the best terms and rates. He has tackled some complicated and nuanced deals seamlessly. As my preferred partner, the clients he represents receive preferential rates and terms form our financial institution. I highly recommend him for any commercial lending assistance. read more

We would like to express our appreciation and gratitude to the President of Pacific Bay financial Company Manny Kagan and his wife and colleague Elfa Kagan for their high professionalism, human kindness and willingness to help in difficult situations when receiving a loan. We recommend that anyone who is planning or forced to buy a house, especially with limited financial resources, contact Pacific Bay Finance Company. read more

My husband and I have been working with Pacific Bay Financial for 20+ years, adding to our residential and commercial real estate portfolios over time. Thank you PBF - You're the Best in the business!!! We highly recommend Dwight Daguman for your commercial real estate financing needs. We have enjoyed consistent cash flow of our commercial building, but with the tumult in the commercial real estate space and with a "due date" on the loan fast approaching our lender did not give us enough warning and time to cure the debt. Dwight stepped-in after being recommended by a trusted cohort of ours and was able to secure an interest rate 200 bps below market. This was accomplished by Dwight providing in-depth financial analysis of our historical revenue and skillful presentation of his findings to a AAA rated commercial lender. We used the Commitment Letter to postpone the due date of the present lien by 30 days. Call Dwight if you are looking for acquisition or debt reposition funds or if you're up against time constraints. His diligence and attention to detail will allow you to breathe and actually enjoy the process, while trusting that you are in good hands!! Thank you, Dwight! :)) read more

I recommend Dwight Daguman of Pacific Bay Financial. He reviewed my company's financial standing and made recommendations. He reviewed the investment real estate and validated the market value based on revenue. He secured the financing we needed to recapitalize the company and grow our footprint in our market. I trust his opinion. Jeff K read more

I have worked with Dwight Daguman and Pacific Bay Financial more than once. Dwight is knowledgeable, helpful, and worked very hard to make sure we found the best loan at the best rate. In fact the last banker Dwight helped us get a loan for, said that he made the banker's job extremely easy, and they loved working with him. The next time a client needs a loan, I will definitely call Dwight again. read more

Although we had to plow through multiple hurdles and challenges to finalize a tricky financing deal, Manny/Elena/Jeni came through at the end so we can close on time on our investment property purchase. They worked really hard and laser focused on closing, which they managed to accomplish at the end. If there is a challenging loan situation, I would recommend to contact Pacific Bay Financial. read more

Over the years, we have worked with many loan brokers, Dwight Daguman is one of the best that I have worked with. Due to COVID-19, we applied for Paycheck Protection Plan (PPP) and seemed like impossible to get loan approved due to lack of our knowledge and too many companies were filing for PPP loan.  Dwight was aware about the application process and was able to call his contacts and got the loan processed in less than 2 weeks; amazing work by Dwight - kudos to him. I am happy we choose to work with Dwight Daguman and would highly recommend him to anyone who is looking for the loan. Sangita Hingorani Building kidz Preschool Franchise owner read more

This review relates to Dwight Doguman: I work with a lot of investors in the Bay Area financing 5 units, mixed use and owner occupied properties. The most difficult part of this process is collecting and calculating the strength of the borrowers and the property itself. Dwight does an amazing job upfront, assists in collecting the documents, calculates the strength of the deal which is very important to get a loan approved especially when time is of the essence, like 1031 exchange transactions! read more

Dwight did it again! His knowledge in commercial lending is superb!! I am so impress with this guy. He knows exactly what commercial lenders need and ask for and spends his time to prep me before he connects me with a commercial lender. He was able to get my loan approved when I was having a difficult time with my commercial property purchase AND with a quick turn around. A good commercial loan broker is so rare to have around now a day and I am very lucky to have found Dwight!! THANK YOU Pac Bay Financial! read more

I used Dwight's services for refinancing a private loan on commercial condominium office in San Francisco. Dwight managed to get several bank offers for a conventional loan and I was able to choose the best option that suited my situation. He was very engaged in the process and made me aware of any potential issues I might have faced during the loan process. As a result, we were able to overcome all the obstacles along the way. Dwight Daguman is very genuine man whose customer service skills are beyond excellence. I highly recommend Dwight as a financial broker. read more

Dwight, and his team at Pacific Bay Financial unquestionably saved my business deal. Where other brokers were unable to deliver, Dwight and his team came through at the last minute with very favorable terms. Not only did we get a great rate, Dwight negotiated additional provisions necessary to structure a very unique financing. Their experience and connections were invaluable. I look forward to working with Dwight and his team in the future. read more

So grateful to have found Dwight. He is so knowledgeable, resourceful and patient. You will have the best experience working with Dwight regarding real estate financing. Call him!!! read more

Thanks you Dwight for all your guidance, diligence and support throughout out this process. I appreciate your continued communication and fun personality! I'm thankful that my loan was granted as you pushed it through. We will do business again I'm sure. Thanks a bunch Dwight! read more

If you are shopping for a commercial lender look no further. Dwight at Pacific Bay Financial is the BEST. Period. I had to get my business loan approved right away like every other small business due to the COVID-19 . And like everyone else I started the process with 3 different vendors. But Pacific Bay Financial took the lead within in a couple of days and had my loan approved and funded with in a week while others were still days away. Dwight did an excellent job to understand my business and situation and kept a very proactive and transparent in communication going through out. Dwight worked with multiple lenders and closed my loan and got it funded while so many others business owners I know were still waiting. Would definitely recommend to everyone. read more

Special Thanks to Dwight D. for all your support, guidance and help throughout the process of getting my loan approved. It was a pleasure working with you. Your diligence was key throughout this process, and you kept me in the loop about everything. Appreciate all the help! Thanks again - We will be working again very soon!!! read more

I own a 400 person company that is expanding rapidly. Much of our growth is attributable to an acquisition strategy that is fueled in part by the ability of Pacific Bay Financial, specifically Dwight Daguman, to introduce us to relevant contacts in the banking industry. Without Dwight's contacts and knowledge we would not have been able to raise the kind of money needed to finance our growth. He has been instrumental in introducing us to the right people, at the right times in order for us to access the capital we need. Dwight's understanding of finance and lending is exceptional and we found his guidance and counsel incredibly useful in learning to navigate this industry. If you find yourself in need of additional capital in order to fuel your growth I can't recommend Pacific Bay Financial and Dwight Daguman enough. read more

Dwight has been a lifesaver during these troubling times. We successfully closed on a purchase of an apartment building including a space for business in San Francisco. He helped me analyze all my financial statements and heavy interactions with the lender and made the process super easy for us. Thank you, Dwight! Couldn't have done this without your amazing assistance! Please, reach out to him if you need any financing help too. You will be in good hands. read more

Manny got us an amazing deal on our home and made the process of getting the home loan look like child's play. He had clear guidance on what we need to provide in terms of documentation, explained the lending process clearly, was always responsive (sometimes we talked several times a day) and helped us secure a loan in three weeks despite us being self-employed. In the end we got a 30 year fixed at 2.77% which is crazy unheard of. Manny shopped for the best deal and worked with us until we crossed the finish line. I recommend Pacific Bay Financial to all my personal and professional contacts. read more

Manny and his team came through in a big way for us. We need a mortgage on our home but we had challenges with income records and title given our start up jobs and the way we purchased our house. It took over a month to get our application in order, but Manny and crew guided us expertly the whole way until we prevailed. Thank you, Pacific Bay Financial! read more

My husband and I were attempting to buy a business that required a considerable loan. Neither myself nor my husband had any knowledge of what went into this. Dwight has worked with multiple family members and was incredibly helpful so we went to him as well. He explained the whole process and held our hands throughout. He helped us secure a loan that fit our individual needs. I strongly encourage you to give Dwight a call for any of your financial needs. read more

I needed help with understanding the cost of closing an escrow on a property we are buying. I called Dwight Daguman and he was able to explain everything clearly and patiently. He's very knowledgeable and well-experienced in this kind of industry. I will definitely recommend him to my family and friends. read more

We worked with a lot of loan officers in the past but our experience working with Dwight was exceptional, A+++. Dwight helped us with small business loan. The case wasn't easy but Dwight never gave up on us. His creativity, attention to details, prompt communication, industry knowledge and professionalism what helped us to seal an attractive deal at the end. We were very happy that we got a chance to work with Dwight and would highly recommend him to anyone who is looking for a loan. read more

We would like to thank Dwight for his support during this difficult times (COVID-19.) He helped us apply for the PPP loan and managed everything from communicating with the bank, to following up, to providing us updates and responding to every single email and text (there were a lot of text messages). He was very responsive regardless of the time. He is very fun, professional, and diligent. Thank you for helping us! read more

Oh man, what would we do without Dwight!? His passion for what he does and his dedication to his clients is tangible in every interaction. I recently represented the buyer on a difficult transaction and Dwight was our mortgage broker. Our project had complex layered finance for a community project that most banks wouldn't lend on. Dwight made that seem easy. He is a true professional, AND he's also fun to work with. With Dwight you can trust your deal will be funded! I very much hope we have the opportunity to work together again. read more

The people in this office are miracle workers and work extremely hard for you. Manny helped me to refinance a rental condo that no one in 15 years of owning it could seem to help me with...in one phone call he had me on the right path. A month later my business purchased a new location and against all odds he made this one happen too. His stuff is organized, professional, and they all work hard but have a sense of humor during some of the more stressful moments. Top notch. read more

I had a critical situation with my loan - my original lander denied me a loan the day when I had to remove my loan contingency. My former mortgage broker messed up my file making several mistakes and miscalculations. As the result I was about to loose the property that I was so excited to find after about one year of searching. I was referred to the Pacific Bay Financial as "mission impossible" tea who could help! They immediately responded, deep dived into my file. I extended my loan contingency, and was able to remove it just in time not to loose my home or initial deposit. Against all adds I was able to close with Manny's team and their lander only 3 days later than my original mortgage broker planned. And Manny's team started the entire process from scratch 12 days later my former mortgage broker. What an amazing work! Pacific Bay Financial Corruption are true masters of the mortgage business! You can rely on this team in most challenging cases! I very much recommend this crew with any of your mortgage needs or problems. Sincerely, Elena read more

Mayya Brenner with Pacific Bay Financial has been amazing both times when we had business with PBF through the loan pre-approval, appraisal and loan application process. It has been such pleasure working with Mayya, true professional and just wealth of knowledge. Love working with Mayya, always great advices, meeting all deadlines, very responsive and she's made the process just so stress free. Thank you very much, Mayya!! read more

This review is long overdue! I always appreciate great, professional and quick service. And I was extremely happy to have found Pacific Bay Financial! Manny and his team are the ones to go to however difficult your situation is! If you are looking for a mortgage broker, do not waste your time any longer, because you will not find a more knowledgeable broker and a better communicator than Manny. We were buying our first house with FHA several months ago. The task seemed almost impossible. When it came to choosing a buyer, the seller and his agent hesitated. But Manny could assure everyone that everything was taken care of, and it was merely another type of the loan. Whomever Manny dealt with, he was always very courteous and everybody liked him right away. He also has his own very interesting blog www.mannykagan.com. And it was very pleasant to receive a birthday card from the company:) Mila, the underwriting manager, is the most professional, understanding, approachable and a quick person I have ever dealt with in my life! She was always there whenever I needed her. She made sure everything was going smooth and the deadlines were met. Having Mila on board of Manny's team is another reason we will keep using their services. If you need the loan to be closed quickly, it can only be done with Manny, his team and of course Mila! read more

Manny Kagan and his team are incredible! I was a first time home buyer and very nervous about making such a significant and important purchase. Not only did Manny educate me during the process, he provided valuable financial advice and worked hard to find the best loan for us. Steve and Mila are equally wonderful and knowledgeable. In a world where good customer service seems to be a faded memory, Manny, Steve and Mila are working hard to make sure their customers receive the absolute best customer service. They are all true professionals. Working with Pacific Bay Financial is like working with family. I challenge you to find a more trustworthy, congenial and dedicated team to work with the next time you need to make a significant financial decision. read more

With the onset of COVID 19 and the effect on my business, it was very important to me to take care of my employees. I decided to apply for a PPP loan, and Dwight without a doubt was my hero!! As a business owner, the process of applying for this loan was laborious and challenging, but Dwight's fortitude, patience and direction made all the difference in the world. His prompt responsiveness to my every call, text or email was amazing. Whenever we faced a hurdle, Dwight's relentless nature, knowledge of the business and willingness to jump in and solve any problem was extraordinary. His calming disposition and confidence always eased my nerves as we navigated through the process. He was my advocate and went above and beyond every step of the way until he secured my PPP loan. On a personal note, Dwight is a man of integrity, full of kindness and unequivocally committed to the best interests of his clients. He is an absolute gem! I cannot say enough positive things about this very impressive and exceptional man! Dwight, thank you from the bottom of my heart! read more

I would definitely refer them to anyone who is buying home first time. I was a first time home buyer and had many unknowns. In addition, I was not an easy customer. But, Manny and Sunny helped me a lot to prepare loan application and other documents. They were also very informative and available to your questions and frustrations. They assisted me to understand the loan process from starting to closing. read more

I've been working with Manny Kagan and Pacific Bay Financial for the past 16 years. I've financed and re-financed half a dozen mortgages during that time. They are absolute miracle workers that make the impossible possible. They really take the time to get to know their clients and find the best financing solution. At each stage of my life, including when I was just getting started and knew absolutely nothing, Manny offered valuable advice that not only helped me to move forward toward my financial goals but also provided a valuable education in real estate finance. These folks are the best! read more

Manny Kagan seemed to be really aggressive in terms of helping you to get what you need. However, for first time buyers with limited budget some other approach is more preferable. He never asked for any documents. He would not explain how the process look like, milestones, things to consider, rates and prices, %, etc. He barely asked for cash amount and next day told us a mortgage amount, and that we could start searching for a property to buy. What does it all mean? Where this number comes from? How does it all work? Who do we pay? What is the %. What type of loan? Are there many loans types? ..... Nothing. It all looked like Manny did not care about his clients at all, but rather about his own profit. If you happen to work with Manny - please ask him to "hold his horses" :) read more

We turned to Pacific Bay Financial Corp after trying to secure funding ourselves for our growing company. Dwight Daguman immediately went to work trying to find us the funding we needed. He was thorough in gathering information from us in order to paint the correct picture of our company and vision for the future. He was persistent in his pursuit of varied funding sources. He did not give up until he was able to find what we were looking for. Dwight did for us what we couldn't do for ourselves. Dwight was a great asset with his knowledge, advice, and contacts. read more

I am giving Dwight and Juan 5 stars despite not being able to procure a commercial mortgage for me b/c they bent over backwards to try to help from day 1: writing a pre-approval letter so I could at least make an offer, getting all my financials in order, patiently explaining "everything" to me on the phone, and finally trying "very" hard to find a lender, even a last ditch effort with a friend for a personal loan. As I am understanding, these times are beyond challenging and I know that my own finances (self-employed) PLUS Covid-19, were the limiting factors. Lenders aren't easily lending to small businesses right now. In the end, I was able to borrow from family, and in retrospect, it was the best deal for me. But I wouldn't hesitate to reach out to Dwight or Juan in the future and I highly recommend them. They know their stuff inside and out and have established many professional relationships in the banking community. read more

Dwight Daguman was great and helped considerably with our funding solution. Concerned that the process would be overly complicated, Dwight was straight forward and made everything seem very cohesive and simple. I was mostly impressed with his timelines. When Dwight means 1-week, he means 1-week. Worked with other funding providers in the past, in fact, in some ways, I'm sort of in the industry myself. As a professional, I can say unequivocally, Dwight performed beyond my expectations. read more

Mayya Brenner has been amazing every step of the way through the loan pre approval, appraisal, and loan application process. She is very knowledgeable in her field and thorough. Mayya and her supporting staff worked extremely fast to get all the documents submitted in time to meet the closing deadline and she was always available any time I had questions. I am very fortunate and grateful for having had Mayya by my side through the whole process! Thank you for playing such a great part in buying my new home :-) read more

I used Pacific Bay for several times to refinance one of my properties. I always had a good experience and actually referred quite a few people to them. Just recently. I contacted the mortgage broker I have used in the past and provided him with information for a small mortgage that I want to re-finance on one property and a medium size mortgage on another. He was supposed to call me back. I waited about 3 weeks and left him a message. No reply for a week. Left him another message. No reply for a week. Finally I left him a third message indicating my surprise that I hadn't heard from him. Still no reply received. Totally unprofessional. After waiting more than a month I finally had to go elsewhere. Its too bad because I had always had a good experience with this place. read more