Cyrus Mulitalo - Golden Bay Mortgage Group - Mortgage Broker
Mortgage Lender serving Sacramento, CA
About Cyrus Mulitalo - Golden Bay Mortgage Group - Mortgage Broker
BUY CY REALTY AND MORTGAGE SOLUTIONS, led by Cyrus Mulitalo, serves as a dedicated partner in real estate and mortgage financing. Established in 2020, the firm is committed to simplifying the complex process of homeownership and property investment, guiding clients through every step with a personalized approach.
Cyrus Mulitalo, operating under Golden Bay Mortgage Group (NMLS ID# 1403489), offers a diverse portfolio of home loan programs tailored to various borrower needs. The firm specializes in making homeownership accessible, particularly for first-time buyers, by offering expertise in down payment assistance and navigating state and local housing programs. They also cater to a broader market with conventional, FHA, VA, USDA, Jumbo, and specialized non-conforming options including Bank Statement, Hard Money, and ITIN loans, addressing a wide range of financial situations.
The core of BUY CY's service philosophy revolves around personal engagement and dependable support, with Cyrus notably attending every loan signing. Their online pre-qualification tool provides a convenient starting point for borrowers, reflecting a blend of modern digital accessibility and traditional hands-on guidance. This commitment to client-centric service and a broad product offering positions BUY CY as a trusted resource for residential financing in California.
Cyrus Mulitalo, operating under Golden Bay Mortgage Group (NMLS ID# 1403489), offers a diverse portfolio of home loan programs tailored to various borrower needs. The firm specializes in making homeownership accessible, particularly for first-time buyers, by offering expertise in down payment assistance and navigating state and local housing programs. They also cater to a broader market with conventional, FHA, VA, USDA, Jumbo, and specialized non-conforming options including Bank Statement, Hard Money, and ITIN loans, addressing a wide range of financial situations.
The core of BUY CY's service philosophy revolves around personal engagement and dependable support, with Cyrus notably attending every loan signing. Their online pre-qualification tool provides a convenient starting point for borrowers, reflecting a blend of modern digital accessibility and traditional hands-on guidance. This commitment to client-centric service and a broad product offering positions BUY CY as a trusted resource for residential financing in California.
Company Information
Founded: 2020
Lender Type: Mortgage Broker
Headquarters: Sacramento, CA
Licensed In
CA
Digital Capabilities
Online Application
Pre-Qualification Tool
Home Loan Products
Conventional & Non-Conforming Loans
Loan Types:
ConventionalNon-QMHard Money
Rate Types:
Fixed Rate
Property Types:
Single-Family HomeCondoTownhouseInvestment Property
Occupancy Types:
Primary ResidenceInvestment Property
Employment Types:
W-2 EmployeeSelf-Employed
Income Verification:
Full DocumentationBank Statement
Credit Tiers:
Excellent (740+)Good (680-739)Fair (620-679)Poor (580-619)Bad (<580)
FHA Loans
Loan Types:
FHA
Rate Types:
Fixed Rate
Property Types:
Single-Family HomeCondoTownhouse
Occupancy Types:
Primary Residence
Employment Types:
W-2 EmployeeSelf-Employed
Income Verification:
Full Documentation
Special Programs:
Low Down Payment Program
Credit Tiers:
Fair (620-679)Poor (580-619)
Jumbo Loans
Loan Types:
Jumbo
Rate Types:
Fixed Rate
Property Types:
Single-Family HomeCondoTownhouse
Occupancy Types:
Primary Residence
Employment Types:
W-2 EmployeeSelf-Employed
Income Verification:
Full Documentation
Credit Tiers:
Excellent (740+)
USDA Loan Program
Loan Types:
USDA
Rate Types:
Fixed Rate
Property Types:
Single-Family Home
Occupancy Types:
Primary Residence
Employment Types:
W-2 EmployeeSelf-Employed
Income Verification:
Full Documentation
Credit Tiers:
Good (680-739)Fair (620-679)
VA Loans
Loan Types:
VARefinance
Rate Types:
Fixed Rate
Property Types:
Single-Family HomeCondoTownhouse
Occupancy Types:
Primary Residence
Employment Types:
W-2 Employee
Income Verification:
Full Documentation
Special Programs:
Veteran Program
Credit Tiers:
Fair (620-679)Good (680-739)
0
100%
Max LTV
Down Payment Assistance & State/Local Housing Programs
Loan Types:
ConventionalFHAVAUSDA
Rate Types:
Fixed Rate
Property Types:
Single-Family HomeCondoTownhouse
Occupancy Types:
Primary Residence
Employment Types:
W-2 EmployeeSelf-Employed
Income Verification:
Full Documentation
Special Programs:
Down Payment AssistanceFirst-Time HomebuyerLow Down Payment Program
Credit Tiers:
Good (680-739)Fair (620-679)
Specialty Non-QM Loans (Bank Statement, ITIN)
Loan Types:
Bank StatementNon-QM
Rate Types:
Fixed Rate
Property Types:
Single-Family HomeCondoTownhouseInvestment Property
Occupancy Types:
Primary ResidenceInvestment Property
Employment Types:
Self-Employed
Income Verification:
Bank Statement
Special Programs:
Bank Statement ProgramITIN ProgramSelf-Employed Program
Credit Tiers:
Fair (620-679)Poor (580-619)Bad (<580)
Contact Information
3900 Lennane Dr STE 200
Sacramento, CA 95828
US
Mailing Address:
2900 Lennane Drive Sacramento, CA, 95834
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Business Information
Category: Mortgage Lender
Location: Sacramento, CA
Status: Standard
Founded: 2020
Type: Mortgage Broker
NMLS ID: 1403489
Profile Views: 2
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