Business Details
26 Years
experience
Your Trusted Partner for Real Estate Financing Solutions
Bay Sierra Financial has been a trusted leader in real estate finance since 2000, specializing in trust deed investments and private money lending secured by California real estate. Founded by John and Pamela Graziano, the company transitioned in 2015 to new ownership under Robert 'Bobby' Ritter and Stacey Robles, who continue to uphold its core values of strategic decision-making, authenticity, reputation, and accessibility. Our team brings decades of combined experience in underwriting, loan servicing, and investor relations, serving borrowers and lenders across Northern California.We prioritize transparent communication, thorough due diligence, and tailored financial solutions for clients facing unique credit or income challenges. With a focus on first deeds of trust, we bridge gaps left by traditional lenders, offering competitive private financing options for residential, multifamily, commercial, and agricultural properties. Our clients benefit from personalized service, industry expertise, and a commitment to ethical practices that have earned us long-term trust in the community.
Services
Private Money Loans
Trust Deed Investments
Loan Servicing
Real Estate Financing
Investor Relations
Details
- Year established: 2000
Highlights and features
- We offer 25+ years of combined experience in private real estate finance
- Our team maintains a 98% client retention rate through personalized service
- We implement rigorous underwriting standards with transparent documentation
- Our licensed professionals hold active California Real Estate Broker licenses
- We provide tailored solutions for complex financing scenarios since 2000
Associations and certifications
- California Department of Real Estate
What people say
Professional team
Transparent communication
Thorough documentation
Responsive service
Proven track record
Services
Private Money Loans
Bay Sierra Financial provides private money loans secured by California real estate for borrowers unable to access traditional financing. These short-term loans (1-5 years) serve residential, multifamily, commercial, and agricultural properties. Our underwriting focuses on equity and collateral value rather than credit scores, offering solutions for borrowers with unique financial situations.
Trust Deed Investments
We facilitate trust deed investments allowing qualified California residents to participate in secured real estate debt. Investors can purchase whole loans or fractional interests in first deeds of trust, with loan terms ranging from 1-5 years. Our experienced team manages underwriting, documentation, and servicing for these investment opportunities.
Loan Servicing
Our comprehensive loan servicing includes payment collection, disbursement, tax reporting, and investor communication. We handle both performing and non-performing assets, maintaining detailed records and providing regular updates to lenders. This service ensures smooth administration of trust deed investments from origination through payoff.
Real Estate Financing
We specialize in alternative financing for California properties including non-owner occupied residential, multifamily, small balance commercial, and agricultural land. Our loans balance risk and reward through strategic loan-to-value ratios and collateral requirements, providing timely solutions for borrowers with urgent or unconventional financing needs.
Investor Relations
BaySierra maintains direct communication with investors through regular updates and transparent reporting. We provide detailed loan documentation, investment analysis, and market insights to help clients make informed decisions. Our team offers personalized support for individual investors, trusts, and retirement accounts participating in trust deed investments.
People
Robert Bobby Ritter
President
President of Bay Sierra Financial since 2015, Bobby Ritter has managed mortgage funds and loan portfolios since joining the company in 2003. With a California Real Estate Broker license and experience in loan quality management and fund operations, he oversees all business activities while maintaining a focus on client relationships and strategic growth.
Stacey Robles
Vice President
As Vice President since 2015, Stacey Robles brings over 25 years of experience in investor relations and loan operations. She manages loan originations, underwriting, and servicing departments, ensuring thorough documentation and compliance. Her expertise in working with delinquent borrowers and establishing foreclosure procedures strengthens BaySierra's risk management practices.
Questions
What are trust deed investments?
Trust deed investments involve purchasing secured real estate debt where investors earn returns through interest payments on loans backed by California property collateral.
How do private money loans work?
Private money loans provide alternative financing secured by real estate, with underwriting focused on collateral value rather than traditional credit metrics for borrowers needing quick solutions.
What property types qualify?
We finance residential (1-4 units non-owner occupied), multifamily (5+ units), small balance commercial, and agricultural land properties across Northern California.
How long are loan terms?
Our private money loans typically range from 1 to 5 years with first deed of trust security, offering flexible terms for both borrowers and investors.
What investor requirements exist?
California residents must meet income and net worth qualifications to participate in trust deed investments, with options for individual or retirement account investments.
How are payments handled?
We provide comprehensive loan servicing including payment collection, disbursement, tax reporting, and regular investor communication to ensure smooth transaction management.
