Elevating Bay Area Dreams: 23 Years of Mortgage Mastery
For more than 23 years, I’ve had the privilege of helping people across the Bay Area turn the dream of owning a home into reality. Along the way, I’ve closed over a billion dollars in loans — but for me, it’s never been about the numbers. It’s about the families getting their keys, the first-time buyers taking that leap, and the investors building a stronger future.
What I love most about this work is the relationships. Every client’s story is unique, and my job is to listen, understand, and find the right mortgage solution to fit their needs. That means giving honest advice, being available when it matters, and moving quickly — often closing purchase loans in as little as 9–12 days.
The mortgage world is always changing, and I make it a point to stay ahead. I’m constantly learning, adapting, and using the latest tools to make the process as smooth and stress-free as possible.
Whether you’re buying your first home, moving up, or investing in real estate, I’m here to guide you every step of the way. My goal is simple: to make sure you feel confident, informed, and supported from start to finish.
If you’re ready to talk about your next move — or just want to explore your options — let’s connect.
About Me
Senior Loan Officer-NMLS #237295
Pacific Bay Lending, Inc
DD
Mike Zoppoth at Pacific Bay Lending made my first home purchase a genuinely smooth experience. He was responsive throughout, walked me through every step clearly, and caught a lender error mid-process that would have cost me thousands if it had gone unnoticed. He was patient with my questions as a first-time buyer and made sure I never wired money until everything was verified and correct. Highly recommend him if you want a loan officer who’s thorough, honest, and actually looks out for you.
DH
First time buying alone and he was so easy to work with. All questions promply addressed, process made much more comfortable with his guidance. I highly recommend Mike.
KV
Working with Michael was great! I had a somewhat non-standard situation to deal with, and he was able to figure out everything super quickly and was amazingly helpful and communicative throughout the entire loan process – thanks again!
EA
We were referred to Mike by our real estate agent, who told us he was very thorough and communicative. This was our second home purchase, so we weren’t completely in the dark. However, when we purchased our first home, we felt that our lender didn’t have the time to explain things to us. We almost went with a higher interest rate just to work with a lender who was willing to take the time to answer our questions.
Mike was a breath of fresh air. He took the time to explain the loan, rates, and options we weren’t familiar with. He checked in with us often and was always available to answer any questions we had. We thought we had great credit based on Credit Karma, but to our surprise, our mortgage scores were quite different. Mike explained why the scores differed and even helped us improve them.
We were able to close in just 13 days. Even after our loan was completed, Mike has continued to stay in touch and is always willing to answer any questions we have. I’ve already shared his contact information with friends and family, and I highly recommend Mike to anyone looking for a knowledgeable, honest, and responsive lender. We will definitely be using him again for any future home purchases or refinancing.
Mike was a breath of fresh air. He took the time to explain the loan, rates, and options we weren’t familiar with. He checked in with us often and was always available to answer any questions we had. We thought we had great credit based on Credit Karma, but to our surprise, our mortgage scores were quite different. Mike explained why the scores differed and even helped us improve them.
We were able to close in just 13 days. Even after our loan was completed, Mike has continued to stay in touch and is always willing to answer any questions we have. I’ve already shared his contact information with friends and family, and I highly recommend Mike to anyone looking for a knowledgeable, honest, and responsive lender. We will definitely be using him again for any future home purchases or refinancing.
GR
Mike Zoppoth is amazing. With Mike blazing the way, I made an offer, funded my loan, and closed the escrow in 11 days. It may been done sooner but I was working from out of town and needed the use of a courier and FedEx delivery for the final signatures, Mike is very communicative and transparent -- at all times I felt as though my interests were fully protected. I have dealt with loan mortgage brokers in the past, but never have received close to the service that Mike provides. I would go nowhere else, regardless of where the loan security is located.
JH
Working with Michael was truly exceptional from start to finish. He went above and beyond for us in every sense, navigating a complex process with patience, clarity, and an incredible level of care.
What stood out most was his dedication — he was always one step ahead, anticipating issues before they arose and finding solutions quickly and thoughtfully. His responsiveness, attention to detail, and ability to keep everything moving forward made a huge difference, especially under tight timelines.
Beyond his professionalism, Michael was genuinely kind and invested in helping us succeed. We always felt supported and confident knowing he was in our corner.
We’re incredibly grateful for everything he did to help us secure our home and would recommend him without hesitation to anyone looking for a knowledgeable, reliable, and truly outstanding lender.
What stood out most was his dedication — he was always one step ahead, anticipating issues before they arose and finding solutions quickly and thoughtfully. His responsiveness, attention to detail, and ability to keep everything moving forward made a huge difference, especially under tight timelines.
Beyond his professionalism, Michael was genuinely kind and invested in helping us succeed. We always felt supported and confident knowing he was in our corner.
We’re incredibly grateful for everything he did to help us secure our home and would recommend him without hesitation to anyone looking for a knowledgeable, reliable, and truly outstanding lender.
PL
Working with Michael was an exceptional experience from start to finish. He guided us through the loan process with incredible patience, clarity, and professionalism, making what can often feel overwhelming feel manageable and straightforward.
He was consistently responsive, efficient, and detail-oriented, always anticipating next steps and keeping everything moving seamlessly. We truly felt supported at every stage, and his expertise gave us a great deal of confidence throughout the process.
We’re very grateful for his help in getting us into our home and would highly recommend him to anyone looking for a knowledgeable and reliable lender.
He was consistently responsive, efficient, and detail-oriented, always anticipating next steps and keeping everything moving seamlessly. We truly felt supported at every stage, and his expertise gave us a great deal of confidence throughout the process.
We’re very grateful for his help in getting us into our home and would highly recommend him to anyone looking for a knowledgeable and reliable lender.
SS
I am a first-time client of Mike's, and now a client for life. I wasn't in the market for a new house, but I fell in love with a home on the market and was completely unprepared with financing pre-approvals and other preparations. Mike was extremely knowledgeable, efficient, and highly communicative - all of which helped me to get quickly approved to participate in a competitive multi-offer scenario with a short close. Mike is not just an excellent professional, he also understands and supports the human side of financing a home - incorporating the balance of the dream of a new home with the confidence in the financial structure supporting that dream. Thanks, Mike - I truly enjoyed working with you.
MP
Mike did an incredible job of keeping me informed, proactively handling communications and interfaces with other parties, and dedicated time walking me through any and all documents that I was receiving, signing, reviewing that were related to the mortgage, insurance, or other requirements to close the house. He was incredibly responsive throughout the process, and when we had the opportunity to close a week earlier than expected three days beforehand, Mike was already prepared to ensure that our side would be complete (down to pinging the title company to ensure they were submitting on time as well. I highly recommend him!
TL
Mike was excellent to work with! He assisted my wife and I with securing funding for our first home purchase. He was incredibly knowledgeable and thoroughly explained every step in the process, including what to expect, ensuring that we were fully prepared to close escrow on-time. We appreciated his flexibility and availability to get on the phone, too. We strongly recommend Mike to anyone looking for the best rates for and experience in their home purchase.
SJ
Working with Mike was an amazing experience. This is our second home purchase and it was night and day in terms of the support Mike gave us. This was not just with things under his purview, but helpful recommendations as well. We will be recommending Mike to anybody we know who is going through a purchase.
SH
As a first time homebuyer for a conventional loan, I had done extensive research to find the right home for me. I work in a white glove industry, which makes me particular about the team I choose to work with, as I prefer to learn all along the way.
Mike was recommended due to his ability to close in less than 15 days, and I was skeptical. I did not expect to find a house before year end, but ended up finding one that felt the best fit right after the first week of December. To stay competitive, I decided to put the 15 day reputation to the test.
The conclusion was that we actually closed in 13 days, and if not for my stubborn need for contingencies, he could have closed in less days. Beyond exceptional.
We had worked together for 3 months prior to the close as I was searching for homes. I’ve had no bad interactions with him, he was always kind, to the point, and made sure I understood the process all throughout. I was in sync with him and my team through each milestone, and it paid off. Mike and I will stay in active touch as well after this transaction.
If you’re a first time homebuyer, you need to know that these results can only be replicated if you are just as committed and as fast at communicating and signing documents, and ensuring you prioritize the process from start to finish. Don’t be afraid to ask questions. Mike is more than capable at reciprocating your needs, but be ready to be quick, precise, committed, and respectful of the process and you’ll have a great experience like I did.
Mike was recommended due to his ability to close in less than 15 days, and I was skeptical. I did not expect to find a house before year end, but ended up finding one that felt the best fit right after the first week of December. To stay competitive, I decided to put the 15 day reputation to the test.
The conclusion was that we actually closed in 13 days, and if not for my stubborn need for contingencies, he could have closed in less days. Beyond exceptional.
We had worked together for 3 months prior to the close as I was searching for homes. I’ve had no bad interactions with him, he was always kind, to the point, and made sure I understood the process all throughout. I was in sync with him and my team through each milestone, and it paid off. Mike and I will stay in active touch as well after this transaction.
If you’re a first time homebuyer, you need to know that these results can only be replicated if you are just as committed and as fast at communicating and signing documents, and ensuring you prioritize the process from start to finish. Don’t be afraid to ask questions. Mike is more than capable at reciprocating your needs, but be ready to be quick, precise, committed, and respectful of the process and you’ll have a great experience like I did.
KE
We’ve worked with Mike for 20 years and he’s a true professional - on top of every detail, always looking out for his clients and generally making things super easy. He’s also a great person - trustworthy, personable and caring. Always a pleasure to work with Mike.
ES
Working with Mike was a fantastic experience from start to finish. He moved with incredible speed and efficiency, expertly navigating us through his famous 12-day closing period. Mike took the time to thoroughly explain every step of the process, which gave us a great deal of confidence and clarity. He was always accessible and happy to jump on a quick call whenever we had questions. I would wholeheartedly recommend Mike to anyone in need of a knowledgeable and highly responsive mortgage broker.
PB
Michael was a huge help in getting us through the process of buying our home in San Francisco. He was efficient and responsive, but also patient in explaining things clearly when we had questions. We always felt like he was on top of the details, which made what could have been a stressful process feel much easier. We’d gladly recommend working with him.
AL
I cannot recommend Mike enough! My realtor referred me to him and called him "magic", which is a fitting description. He was professional, diligent, an excellent communicator, and miraculously got me into my dream home in under 12 days. He arranged calls with me on MY schedule (lots of 6 am chats), and skillfully guided me through the complicated borrowing process. Even after I lost hope of getting my dream home, he kept his eye on rates and alerted me to changes that allowed me to put in a winning offer. Magic indeed.
MC
Michael delivered excellent results and provided exceptional service again! I’ve used him for every mortgage loan for more than 14 years now. He’s so knowledgeable and helpful. He serves with the highest integrity and honesty. I recommend him to everyone looking for a loan.
CB
As first time home buyers, Mike made the loan process approachable and stress-free, anticipating our questions and answering them with patience and kindness. He was extremely proactive and efficient, and we were able to close on our home in less than 2 weeks because of him. It was a pleasure to work with Mike and we highly recommend him!
LS
I will be quick here.
I shop with 3 brokers.
2 of them told me they were the fastest, and that I would have the best rate. Some good numbers were mentioned, a lot of documents requested, multiple people working on it, writing me and calling me all the time.
Michael from day one told me what would happen, straightforward, explained how things work and the first to fully approve my loan. I kept working with the other 2 to compare, but I kind of wasted my time as their sales pitch were disappearing, real numbers were in place and things they didn't mentioned before were coming.
Don't waist your time (if you are buying, I know you dont have time), go with Michael.
I shop with 3 brokers.
2 of them told me they were the fastest, and that I would have the best rate. Some good numbers were mentioned, a lot of documents requested, multiple people working on it, writing me and calling me all the time.
Michael from day one told me what would happen, straightforward, explained how things work and the first to fully approve my loan. I kept working with the other 2 to compare, but I kind of wasted my time as their sales pitch were disappearing, real numbers were in place and things they didn't mentioned before were coming.
Don't waist your time (if you are buying, I know you dont have time), go with Michael.
MM
Working with Michael on obtaining a loan and through the refinance processes has been wonderful. His expertise and guidance simplified what felt like a complex process when we started. Through Michael's advice we've secured the best available rates for our loans and insurance. He's fully committed to ensure his clients receive the best possible options available and he follows up when a better option is available.
MB
Michael Zoppoth came highly recommended by several friends and he did not disappoint! Everything went smoothly even with some complications on my end. He was delightful to work with, very efficient and we closed in 2 weeks as promised once. I couldn't have asked for more.I look forward to continuing to work with Michael and will definitely recommend him. Thank you!
SF
Michael was an asset during my home buying process. He enabled me to be more competitive by offering a rapid close, worked closely with my agents to ensure nothing was missed, and always had my best interests in mind. I highly recommend working with him for your home purchase!
AZ
Michael is a rock star! Super fast process from the first conversation through deal closing. Walked me through every step and made sure all the expectations are clear. Personally followed up on every step needed and walked an extra mile to ensure complete and utter success. Highly recommend Michael, he is amazing!
JS
My husband and I just bought a condo at a lightning pace, and Mike was there with us every step of the way. Mike was extremely friendly, responsive, supportive and proactive in terms of explaining things to us. Even better, Mike does full underwriting from the start, so that we were able to offer the seller a quick close to make our offer more attractive. It was a blur, but we closed in less than 12 days. He was a pleasure to work with and I feel in good hands moving forward as Mike will watch the rates and let us know when it's time to refinance.
JA
Michael Zoppoth is absolutely amazing. Not only is he a great human being, but he also happens to be exceptional at his job! He is a complete joy to work with. Michael worked extremely hard to make the financial aspect of my home buying process a walk in the park. He was always steps ahead of the process, and kept me prepared every step of the way. He provided me with extremely relevant and thoughtful suggestions and advice, and his years of experience were definitely evident. If you want a powerhouse on your team during your home buying process, Michael Zoppoth is your guy. Mike, I can’t thank you enough, and for those reading this, I can’t encourage you enough to call him. He muscles his way through, and I believe we closed in 8 or 9 days. Talk about incredible!!!
