Your Digital Mortgage with Hector Cisneros

Secure Application:

100% Secure, 256-bit encryption

Easy to Complete

The Fastest Way to Get Started

Find the Loan that Works for you:

Low Monthly Payment

Low Interest Rates

Purchase or Refinance

$150 million

In Loans Funded to Date


Customer Satisfaction Rate


Average Loan Approval Period

Purchasing| Refinancing 

Welcome to the official site of Alliance Bay Funding. We are a full-service mortgage company based in San Jose, CA. We specialize in home Loans serving clients statewide, we can help you realize your dream of home ownership or save you money when getting your new lower monthly payment.

In terms of Purchase Loan programs, we offer the following:

 Conventional|Reverse Mortgage|FHA | VA | USDA | HomePath | Jumbo | Commercial 

Refinancing? We can help you with that, too!

We offer a wide range of refinance options, designed to best meet the needs of local borrowers. If you're looking for cash out, or to just get a better rate and term, we can assist you. We offer the following Refinancing Programs:

FHA Streamline | FHA Cash Out | FHA 203k | VA Streamline | VA Cash Out | USDA Streamline | Conventional | HELOC | HARP | Commercial | Jumbo|Reverse Mortgage

Contact Alliance Bay Funding today to discuss your mortgage loan optionsand find out which loan program will best suit your needs.

What is Digital Mortgage?

Save time with our fast, easy process

Our most popular loans

Most people get one of these

30 Year Fixed

2.690% | 2.690% APR

FHA 30 Year Fixed

2.875% | 2.875% APR

VA 30 Year Fixed

2.200% | 2.200% APR

15 Year Fixed

1.990% | 2.030% APR

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