Pacific Bay Lending
Get pre-approved

About us

Pacific Bay Lending — a direct lender, not a call center

We help people in our markets buy a home they can afford and finance it the right way. When you call, you talk to the licensed person who actually closes your loan — not a queue.

Get pre-approved →~10 minutes · no impact to your credit
  • Direct lender — not a call center
  • NMLS #192103
  • Equal Housing Lender
  • Soft credit check to start

Who we are

Pacific Bay Lending is a direct mortgage lender led by Michael Hernandez (NMLS #192103). Because we lend directly, you deal with the loan officer who structures and closes your loan from the first conversation to the closing table — no call-center hand-offs, no losing your file in a queue.

Our job is simple: help you understand what you can afford, match you to the program that fits, and keep your loan moving. We explain every number in plain English so you always know what your monthly payment will be before you make an offer.

Pacific Bay Lending Corp is an Equal Housing Lender — we do business in accordance with the Fair Housing Act and the Equal Credit Opportunity Act.

Your loan officer

Michael Hernandez

Branch Manager & Loan Officer · Pacific Bay Lending

NMLS #192103 · Pacific Bay Lending Corp NMLS #192103

Michael Hernandez is a licensed mortgage loan originator (NMLS #192103) and the branch manager at Pacific Bay Lending. He works directly with buyers and homeowners across Tennessee — you talk to him, not a rotating call-center queue, from your first question through closing.

What he helps with: figuring out a realistic budget before you shop, choosing between conventional, FHA, VA, and USDA financing, and walking through Tennessee-specific options like THDA (the Tennessee Housing Development Agency) down-payment and first-time-buyer programs. He explains every number — payment, down payment, closing costs — in plain English so you know where you stand before you write an offer.

Every page on this site is reviewed against the same standard he holds his loan files to: factual, current program information and no promises about approval, rate, or terms that a real underwriting decision hasn't earned. You can verify his license, and the company's, anytime on the official NMLS Consumer Access registry below.

Talk to Michael →Search homes

Equal Housing Lender. Information on this page is general mortgage education — not a rate offer, APR disclosure, or commitment to lend. All loans are subject to credit approval and underwriting.

How we work

Four steps, start to close — and a real person with you the whole way.

  1. Intake

    Tell us what you're trying to do — buy, refinance, or pull cash out. A few quick questions, a soft credit check to start, and no impact to your score.

  2. Pre-qualification

    We review your real numbers and match you to the programs that actually fit — conventional, FHA, VA, and more. You get a pre-approval letter that strengthens your offer.

  3. Guidance

    You work directly with a licensed loan officer who explains your options in plain English. No call-center hand-offs, no guessing what your monthly payment will be.

  4. Close

    We keep your file moving, coordinate with your agent and title, and get you to the closing table — then stay available for whatever comes next.

Licensing

You can verify our licenses anytime through the NMLS Consumer Access registry — the official public lookup maintained by state regulators.

Loan Officer
Michael Hernandez
Loan Officer NMLS #
192103
Company
Pacific Bay Lending Corp
Company NMLS #
192103
Equal Housing
Equal Housing Lender
Verify on nmlsconsumeraccess.org →
Get pre-approved →

Michael Hernandez, Branch Manager · Pacific Bay Lending Corp NMLS #192103 · Equal Housing Lender. Homes shown are public listings for illustration of what's available in this range — not an offer to make a loan on, or sell, a specific property. This is not a commitment to lend; all loans subject to credit approval, program guidelines, and underwriting.