MiguelRubioedited

Bay Capital Mortgage

Miguel Rubio, a Reputable Realtor and Lender in Salinas, CA

I aim to make everything fast and convenient for those who need a loan to buy a house or are looking to refinance their mortgage. Through my refinancing solutions and unparalleled service, I help my clients experience the joy and privilege of homeownership.

More Than 15 Years of Experience in Mortgage Lending and Real Estate

Because of the skills I have acquired after being in this industry for many years, I have gained the trust of many clients in Salinas, CA and nearby areas. All you have to do is simply get in touch with me, and I’ll handle the task of appraising and researching a property that you are interested in.

About Me

My Mission

I strive to make the process of homeownership easy for my clients. When they turn to me, I work hard to ensure that they’ll have a positive experience and their loan needs will be met.

The Miguel Rubio Difference

99% Closing Ratio

More Than 1,000 Deals Closed

Expertise in Real Estate and Loans

Ability to Make the Process Smooth and Quick

What Sets Me Apart

Having been in business for many years, I have witnessed how the mortgage lending industry has changed over time. Even if trends are constantly shifting and evolving, my level of commitment remains the same. My dedication to superb customer service has not changed, and I still take great pleasure in working with home buyers and sellers.

Testimonials

testimonials

“Working with Miguel has been the best experience I've had working with a realtor. We couldn't have picked a better person to help us sell our house as well as helping us buy a new one. He's very professional from start to finish. Has great energy, he definitely knows the market. Not once did we  feel pressured into buying something we weren't absolutely happy with considering that we had a time line.I highly recommend him for your real estate needs.”

Bought and sold a Single Family home in 2017 in Salinas, CA.

08/23/2018 – zamudioevelyn

testimonials

“Every house my wife wanted to see, Miguel would get us an appointment. When we finally picked a house, Miguel submitted our offer right away. He advice us on the amount that we should offer. There were multiple offers and Miguel got ours accepted. He also helped us with our loan. He was extremely  knowledgeable about the loan process and different loans available to us.  He was always in constant contact with us. He helped negotiate certain things we wanted done to the property before we closed. My wife and I are very grateful for the excellent and profesional service provided by Miguel through the whole process.”

Bought a Single Family home in 2017 in Salinas, CA.

08/15/2018 - kazoojg15

testimonials

“Best realtor, Miguel made my process so easy. He was available at all times and answered every question or concerns I had. He explained everything and all the paper work through out the process.”

Bought a Single Family home in 2017 in Salinas, CA.

08/14/2018 - leoncito082364

testimonials

“Miguel came highly recommended in 2011, by our neighbor.  We have had the pleasure of working with him twice now.  The last transaction occurred long distance and it went seamlessly.  Miguel found us a cash buyer within days of putting our property on the MLS.  We closed in less than 30 days.  Miguel knows the Monterey area, and being a local (Alvarez High Alumni), his network is wide.  You are in trustworthy hands with Miguel!”

Bought and sold a Single Family home in 2017 in Salinas, CA.

09/06/2017 - user86577951

testimonials

“Miguel was great. His professionalism is the best in the business. He when above and beyond for us to make our dreams come true on purchasing our first home.”

Bought a Single Family home in 2017 in Salinas, CA.

05/10/2017 - pinkie88

testimonials

“Miguel Rubio has been instrumental in helping me to secure the perfect house and loan.  From the moment that I contacted him, Miguel made me feel comfortable and confident during this exiting time.  Miguel's style is collaborative. He made sure that he understood my needs and wants yet, at the same  time, he always reflected back to my budget and what I wanted to spend.

 Despite his vast clientele, he makes you feel like you are the most important client.  He will accommodate his schedule to yours and make every effort to find the perfect house for you. 

 Buying a house can be extremely stressful, however Miguel makes this stressful situation seamless.  He is efficient and very knowledgeable when it comes to the loan process.  He educated me and broke it down into terms I clearly understood. With a doubt, he is the perfect and most honest real estate agent I know. I look forward to doing business with him in the future.”

Bought a Single Family home in 2016 in Salinas, CA.

03/09/2017 - krisvasquez75

testimonials

“Miguel made my process so easy. He was available at all times and answered every question or concerns I had. He explained everything and all the paper work through out the process. I have referred him to family and friends”

Sold a Single Family home in 2016 in Greenfield, CA.

03/04/2017 - jeanettecarrillo7

testimonials

“Dedicated to helping his clients find their ideal home. Makes the home buying process real easy and stress free. Will definatley recommend Miguel to anyone trying to buy a home, give him a try and you will be satisfied.”

Bought a home in 2016 in Bolsa Knolls, Salinas, CA 93906.

03/02/2017 - pekasjaz

testimonials

“Mr. Rubio was very professional. He helped us buy our first home. We are very satisfied with his services and recommend him to everyone. Guided us step by step and answered all our questions. He is bilingual so that was a plus for us. If it wasn't for him we would be renting right not instead of  owning our home”

Bought a Single Family home in 2016 in Greenfield, CA.

07/06/2016 - Zeke G

testimonials

“Mr. Rubio helped my family and I sell and purchase a home. He made the process transparent making it clear and understandable. He went above and beyond making sure our best interest were taken care of. Mr. Rubio's expertise is priceless and I have since referred several family and friends to him.”

Bought and sold a Single Family home in 2015 in Salinas, CA.

05/11/2016 - ManuelAndrade

testimonials

“Miguel was excellent, in helping my husband and I find our first home. He is very knowledgeable, always in contact with us and his patience was much appreciated. He provided us with listings of homes daily, he was always quick to respond and quick to set up times to see homes we were interested in.  Miguel explained and answered all of our questions. His years of experience excelled as he guided us through the escrow process, from start to finish. My husband and I are very grateful to him for everything he did for us.”

Bought a Single Family home in 2016 in Salinas, CA.

05/10/2016 - lovely2b me

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