Patti Matta is top-knotch, a person of integrity, and a true expert in the Mortgage profession

Dede M - Zillow Testimonial

Patti Matta

Senior Loan Officer

NMLS ID# 256791

(858) 761-0278
8880 Rio San Diego Drive
8th Floor, Office 36
San Diego, CA 92108

The housing and mortgage markets are constantly changing and require a steady and experienced adviser. As a lending professional at Bay Equity, I am dedicated to helping you with all your home mortgage needs.

I have 25 years of experience, and whether you are buying or refinancing, buying your first home or building your dream home, I will help you navigate the many options to find the right loan for you and your family. I have developed many strong relationships in my career because I’m committed to my promise. My promise is to give my personal attention to your details and provide a specific strategy for a mortgage loan tailored to fit your needs in addition to giving you a competitive mortgage rate.

Click Here to see my GUIDE TO HOME LOAN SUCCESS booklet with everything you need to know about getting a mortgage.

We provide a wide array of mortgage choices including:

First-Time buyer programs │ Fannie Mae and Freddie Mac │ Government Lending (FHA, VA, and USDA) │ Investment property lending │Jumbo options including interest only │ Expanded loans – bank statement & asset depletion │ I also offer over 20 years’ experience in manufactured home loans!

When I’m not working on your loan transactions, you can find me on long strolls with my black labs affectionately known as, “the girls” Lexi and Brandi!


Homebot is our customizable ROBOT that helps you keep track of your most important purchase. Receive a personalized monthly report tracking your home value, mortgages and market conditions, and gives you smart information on strategically paying your principal payments and it even tells you how much you can rent your home for on Airbnb.

Scroll down to: WHAT'S YOUR HOME WORTH below to get started!

Loan Calculators

Use the calculator links below to help plan your home purchase or refinance.

Please note, the results are only estimates. Talk to your Loan Officer to get an official figure. We're here to get you home.

Need some help?

Here you’ll find a number of different downloadable PDFs with important information I want to share with your about mortgage loans, rates, and home ownership!