All California Mortgage

We’re a full service mortgage lender with an experienced staff offering expertise in every area of mortgage lending…from purchase to refinance to construction lending. We have access to a full range of mortgage products including FHA, VA, Jumbo, Non-Conforming and Reverse. Throughout the lending process, we provide regular loan updates and progress reports so you will always know the status of your loan.

With over 30 years in the lending business including mortgage, consumer financing and marine lending, my expertise is providing borrowers with the right solutions to their loan requirements.

I provide value to each client by personalizing their experience to ensure positive results. My dedication to this pursuit has rewarded me with numerous production and customer satisfaction awards.

For every unique borrower, there is a unique loan.  Whether you are purchasing, building or refinancing or prefer a fixed, adjustable or interest-only loan, we’ve got you covered.

Call me for a personalized quote!

Debbie Betts, NMLS#1523273; BRE00475529

Serving Alameda Island

510 846-0578

1070 Marina Village Parkway, Suite 101-B
Alameda, California 94501
Debbie Betts
Bay Equity Home Loans
, ,

About Bay Equity
Bay Equity is a full-service retail mortgage lending institution founded and headquartered in the heart of San Francisco’s Financial District. In 2011 and 2012, San Francisco Business Times named Bay Equity among its “Top 100 Fastest-Growing Private Companies” in the Bay Area. Bay Equity also has operations centers in Concord, California; Corona, California; Lake Forest, California; Portland, Oregon; Tacoma, Washington and Everett, Washington and 64 retail branch offices on the West Coast.

Bay Equity opened in the midst of the recession, as many other mortgage lenders were closing their doors. A group of mortgage professionals led by three brothers, Brett, Jon and Casey McGovern, recognized the need for a new type of mortgage lender. Their new lender had to embrace the highest standards, provide exceptional customer service and be committed to lasting relationships.

Bay Equity opened in San Francisco in April of 2008 and funded its first loan one month later. In its short history, Bay Equity has expanded and is now lending in eleven western states and growing.

Bay Equity has hired accomplished mortgage and financial professionals at all levels and has proudly assembled a highly experienced staff of corporate executives and operations professionals.

1512 Webster Street, Suite B
Alameda, California 94501
(415) 846-9211
Chris Mason
Nickaloff Mortgage

Nickaloff  Mortgage is a full service mortgage brokerage.  We offer residential, commercial, conventional, multi-unit, FHA and VA loans of all sizes.  We specialize in purchase, refinance rate and term, refinance cash out and home equity lines of credit.  The broker and owner, Joe Nickaloff, has been a licensed real estate broker in California since 1982 with 32 years of experience brokering real estate loans and selling real estate.

To get you the best possible rates and terms, Nickaloff Mortgage is approved by many major wholesale lenders and banks.  We don’t have just one program as many banks do.  we will research all our lenders to find the perfect loan for your circumstances.

Our philosophy is very simple.  We offer a wide variety of loan products at the best rates tailored to your needs with great service and communication.  Many lenders will take your application and rarely, if ever, communicate with you during the loan approval process.  Not with Nickaloff Mortgage.  We keep you informed every step of the way do you know where you stand from loan application through loan closing.  If you want a comapny that cares as much about your loan and financial well-being as you do, choose Nickaloff Mortage.

Nickaloff Mortgage is locally owned and operated and we are well connected to Alameda’s business, charitable and social organizations.

To find out about qualifying for a mortgage please contact Joe Nickaloff at 510-681-1180 or

Company NMLS #795322, Jack Nickaloff NMLS #302095, CA BRE #00615842

123 Sheffield Road
Alameda, CA 94502
Joe Nickaloff
Sterling Mortgage, Inc.

We work for our most valuable asset — our customers. We have a number of programs available to secure mortgages with minimal down payments and terms to fit practically any budget, as well as programs for individuals with less than perfect credit history.

Sterling Mortgage enjoys a branch relationship with CMG Mortgage (CMG), one of the nation’s leading wholesale mortgage banks. CMG, a privately held company founded in 1993, employs over 400 people, and closes nearly $5 billion in loans annually.

Sterling/CMG also gives you the benefit of acting as a direct lender. As such, Sterling offers products from major national lenders while retaining control of the entire underwriting, closing and funding process. Since we can fund your loan directly with CMG, Sterling can offer you the best combination of price, product, and service!
885 Island Drive, Suite 205
Alameda, CA 94502
Peter Holmes

Our Newest Members

Visit Us!

Alameda Chamber of Commerce
2215-A South Shore Center
Alameda,CA 94501
(510) 522-0414