Bay Area mortgage brokerage · Santa Rosa, CABay Area & Sonoma County home loans, with a human behind them.
North Bay Capital is a Sonoma County and Bay Area mortgage brokerage based in Santa Rosa, California — residential and commercial loans, automated approvals, a transparent process, and a loan officer who actually picks up the phone.
Residential
FHA · VA · Conventional · Jumbo · DSCR · Reverse
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Commercial
Multifamily · Office · Retail · Industrial · SBA
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Construction
One-time-close · FHA · VA · Conventional
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Calculators
Payment · Affordability · DTI · DSCR · SBA — 23 tools
ExploreWhat people ask about North Bay Capital.
What is North Bay Capital?
North Bay Capital is a Bay Area mortgage and commercial-loan brokerage based in Santa Rosa, California. It shops loans across many wholesale lenders to find the structure that fits the borrower. Residential specialties include FHA construction loans, HECM reverse mortgages, and California first-time-buyer programs. Led by Jesse Gonzalez, NMLS #278103.
Where does North Bay Capital lend?
Residential loans across Sonoma County, the entire San Francisco Bay Area, and the rest of California — Jesse Gonzalez is licensed in California, Colorado, Florida, and Alabama. Commercial loans (multifamily, office, retail, industrial, SBA) are brokered broadly across the United States.
How do I get pre-qualified?
Call 707-595-5393 or start the secure online application at /apply-online. Most pre-qualifications take about fifteen minutes and don't require a credit pull to start.
Let's find your loan.
Tell us about your purchase, refinance, or build and we'll match the program — and a loan officer who actually picks up the phone.