Phillip Baltazar

Loan Factory

Phone: (925) 895-0261

Licensed state: Texas, California

About me

Greetings, I'm Phillip Baltazar, your Bay Area mortgage expert with over four decades of residence in the vibrant San Francisco Bay Area. With my deep-rooted understanding of the local lifestyle and market conditions, I'm here to guide you through your mortgage journey. You can learn more about me and my services at

My journey in the Bay Area has been a fulfilling one, with over 20 years of marriage and four wonderful children. Our family's diverse pursuits include our eldest in Dental School, one child excelling in the IT field, another embarking on her first year at SJSU, and our youngest thriving at Valley Christian in Dublin, California. Alongside my family, I've been an integral part of the Tri-Valley community, where my roots run deep.

As a licensed Loan Originator, I bring a wealth of experience and knowledge to the table. I specialize in a wide range of loan types and specialized programs, ensuring that I can assist you in finding the perfect mortgage product tailored to your unique needs.

Whether you're in the market for a personal residence, a second home, an investment property, or if you're looking to refinance an existing mortgage, I have the expertise to locate the ideal solution for you. At the Loan Factory, where we “Dare you to Compare” our rates, we offer a diverse array of mortgage products, including conventional, FHA, VA, USDA, and Jumbo loans. Rest assured; I'll work diligently to identify the option that aligns perfectly with your specific circumstances.

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