About Us

About Monterey Bay Mortgage

Making Homeownership Easy Since 1999
Founded in 1999, Monterey Bay Mortgage has built a reputation for exceptional client service and straightforward mortgage guidance. As a branch of CMG Financial, we combine personalized local expertise with the resources, technology, and innovative products of one of the nation’s leading mortgage banking platforms.

Our Promise: We Make It Easy for You
Mortgages can feel complicated and overwhelming. Our mission is simple: make the process easy, clear, and stress-free. We take the time to understand your goals, explain your options in plain language, and guide you toward decisions that serve your best interests.

Every member of our team is exceptionally dedicated to your success and brings real value to your decision-making process. We’re not just processing loans, we’re partnering with you to achieve your homeownership goals.

Who We Serve
We work with clients at every stage of their journey:
First-Time Homebuyers taking that exciting first step
Real Estate Investors growing their portfolios
Vacation Home Buyers finding their perfect getaway
Homeowners refinancing or tapping into equity
Retirees exploring reverse mortgage solutions

Our Approach
Every client is different, and so is every mortgage solution. Our team takes the time to understand your unique situation, answer all of your questions, and present options that make sense for you. We believe in transparency, clear communication, old fashioned follow up and being there for you throughout the entire process—and beyond.

The CMG Financial Advantage
Our partnership with CMG Financial means you benefit from their unwavering commitment: “Every Customer, Every Time, No Exceptions, No Excuses.”

With CMG Financial, you gain access to:
Cutting-edge technology that streamlines the mortgage process
Innovative proprietary products designed for today’s market
A team of exceptional professionals dedicated to your success
A company with deep roots and long-standing stability in the marketplace

Multi-State Licensing
We’re licensed to serve clients across multiple states, which means we can help you wherever your real estate journey takes you. Our team stays current on regional markets, regulations, and opportunities to provide you with relevant, timely guidance.

Building Lasting Relationships
We measure our success by the relationships we build. Many of our clients return to us again and again over the year, for their next home purchase, a refinance, or to help their family members and friends. That trust and loyalty mean everything to us, and we work hard every day to earn it.

For Professional Partners
Real estate agents, financial planners, and tax advisors: we’re here to be your trusted mortgage partner (we don’t expect your trust, we earn it by demonstrating our commitment to your client). Our team works collaboratively to support your clients and strengthen the relationships you’ve built. We bring mortgage expertise and exceptional service that enhances the overall client experience and makes you look good.

Industry Recognition
Monterey Bay Mortgage’s founder has been recognized by the California Association of Mortgage Professionals with Associate of the Year (1995) and Broker of the Year (1996) honors for contributions to the industry and commitment to professional excellence.

Our Team
Led by experienced professionals who bring diverse expertise and a shared commitment to client success, our team is here to make your mortgage experience as smooth and beneficial as possible. Each team member is dedicated to clear communication, responsive service, and finding the right solution for your unique situation.

Meet Our Team to learn more about the people ready to serve you.

Ready to get started?
Whether you’re beginning your homeownership journey or exploring your next move, we’re here to make it easy.