Bay 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.
Two doorways. Every program inside.
From a first home to a multifamily portfolio — pick the path and we'll match the program.
Home loans
FHA, Conventional, VA, USDA, Jumbo, DSCR, Bank Statement, P&L, 1099, Reverse, and construction — and every sub-product inside each.
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Commercial loans
Multifamily, office, retail, industrial, warehouse, SBA 504 and 7(a) — owner-user and investor structures, agency to bridge.
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Easy. Carefree. Transparent.
The same loans everyone offers — a far better way to get them.
Automated approvals
Modern automated underwriting moves your file fast — less waiting and fewer document chases.
Transparent, always
You always know exactly where your loan stands. No black box, no surprises at the closing table.
Carefree closing
We handle the lenders, the paperwork, and the moving parts so you don't have to.
A real human
Jesse picks up the phone. No call center, no runaround — just straight answers.
What 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.
23 calculators. One phone call.
The same modeling tools we use to qualify a deal — payment, affordability, DTI, DSCR, SBA, and more. Then call and we'll turn the estimate into a real plan.