Bio
My passion is the client experience, I make it my goal to provide a great lasting experience and create long lasting relationships with my clients. Over 7 years of experience dealing with finance and loans. I am dedicated to go above and beyond for not only my clients but my partners, colleagues, and all parties that I come to work with. I have learned over the years that communication is the most key part of any transaction, through transparency and clear communication we are able to achieve our goals. “The Best Ability is Availability” that is a motto that I stand by, especially in the mortgage industry, I will be available to my clients or partners whenever they need. A graduate from the University of Nevada, Reno with a Bachelor’s Degree in Marketing, and minor in Accounting.
Yesi Pineda
My husband and I recently worked with Eli on our refinance, and he is hands-down the best loan adviser we’ve ever worked with. He made the whole process incredibly easy. I was so impressed by how thorough he was – he literally broke down every line of our estimate so there were no surprises. He was always just a phone call or text away whenever I had questions. Highly recommend!
Deeba O
This was my first time purchasing a home so this process was all very new to me. Eli was recommended to me by a mutual as being highly knowledgeable in his field and indeed, my expectations were exceeded. He was very thorough explaining every step of the process of my loan while also being extremely patient with the several questions I had along the way, especially certain terminology I was trying to understand. I’m very grateful to Eli and his team for making this such a smooth process from start to finish!
Sandra Pahulu
Elias Bayan was such a great person/lender to help us with buying our first home together. We felt we could call or text him at any time with our questions or if we needed him to clarify anything. He helped make this big purchase a very smooth transaction and also made us feel like family. We look forward to doing more business with him in the future when the interest rates go down.
Jd Livesay
Working with Eli was great!
We actually had another loan officer we were working with that was a referral to us originally, not only did Eli beat their rate, he saved us significantly on our closing costs!
His communication was great, he always kept us updated with everything, and he cleared our loan in just 5 days. I cannot recommend him enough and am excited to refinance with him in the future!
Nadeem Noorzay
Great experience working with Eli from Better Rate Mortgage. He was able to guide my clients throughout their home purchase. I would highly recommend using Eli and Better Rate Mortgage. He has great knowledge and experience with loans. He’s able to answer any questions and runs different scenarios to see what makes the most sense for buyers!
Leida Gomez
I had a great experience working with Eli Bayan. He was incredibly helpful, patient, and knowledgeable throughout the entire process. He took the time to answer all my questions and made everything feel much less stressful. I truly appreciate his guidance and would definitely recommend him to anyone looking for a loan officer.
Khalid Kakar
Eli made the whole process super easy. He answered all my questions and was very good at explaining everything to me. Everything was taken care of very efficiently!
Josefina Velez
I 1000% recommend this lender group to help you handle a loan! I personally worked with Eli Bayan, who was very helpful and knowledgeable. Every step of the process Eli kept me in the loop of the status of my home loan, and within a week, he made it possible to close on my home loan! The communication and his customer service were outstanding. Trust that he will get you through the milestone you are aiming for!
P_MHS7
So happy and grateful for Eli, Miles and Better Rate Mortgage Team for helping make this dream a reality. They were professional, knowledgeable and truly went above and beyond to make the entire process smooth and stress free. Thank you!
Elpida Matias
From the first call we had with Eli he was extremely helpful and very genuine. He went above and beyond by explaining everything to us. He made this process so easy and helped us make our dreams of homeownership come true! He treated us like family! Thank you Eli!
Evan
Working with Eli was an absolute pleasure. From day one, he was incredibly knowledgeable, patient, and genuinely supportive. As first-time buyers, we had a lot of questions and uncertainties, but Eli took the time to explain everything clearly and made sure we felt confident every step of the way.
What really stood out was how approachable he was — by the end of the process, Eli didn’t just feel like our mortgage guy, he felt like a friend. He always made himself available and kept things moving smoothly.
If you’re looking for someone who will truly have your back through one of the biggest decisions of your life, Elias is that person. We couldn’t recommend him more!
Omar Noorzay
I just used Better Rate Mortgage to purchase my home. Let me tell you Eli was the most knowledgeable person I have ever worked with for a loan. He walked me through the entire process. Eli was very responsive and made sure I got the best rate available. Definitely would recommend him to all my friends and family going forward!
kristy fallah
I cannot recommend Eli highly enough! As a first-time homebuyer, the process of securing a mortgage initially felt stressful and overwhelming, but Eli made the entire experience smooth, fast, and absolutely seamless. From our very first conversation, it was clear how knowledgeable he is about the mortgage industry. He took the time to walk me through every step, answered all my questions in detail, and made sure I felt confident throughout the process.
What really stood out was how responsive Eli was—no matter the time or day, he was always available and quick to provide updates or guidance. His professionalism, efficiency, and dedication made what could have been a stressful experience incredibly easy and even enjoyable.
Thanks to Eli’s expertise and support, I was able to close on my first home faster than I expected. I’m so grateful for his help and would absolutely recommend him to anyone looking to buy a home—especially first-time buyers!
asim khan
What an easy and smooth process. Eli was very professional and patient with me. This was my first purchase and not only did he help make this an easy process, but educated me a lot. I will use him for every purchase going forward!
Mohammad I Mojadidi
Amazing experience working with Eli Bayan at Better Rate. His communication throughout the process was amazing. I never had to follow up and was always kept up to date. He made the entire transaction as painless as possible. I’ve worked with a few other mortgage companies and officers in the past- Eli is head and shoulders above all of them. I highly recommend using him for any of your home purchasing or refinancing deals. I look forward to being a return customer because of my experience! Thank you Eli!
Anna Q
I worked with Eli to secure my home loan and I could not have asked for a better person. He was not only incredibly kind and informative, keeping me updated each step of the process and explaining things in a way I could understand, but went above and beyond to ensure that the loan worked best for me. I genuinely appreciate everything he did for me!
Barinder Sohal
I have no words to describe the situation. My loan officer was ELI bayan . 5 stars in not enough to describe this man what he did for us I can’t imagine. In my dreams I can’t think about to be a home owner he made me one . First I would like to thank this angle who came thru our life and made things happen. Better rate mortgage you guys have a hidden jem value it or someone will steal it.Eli you are now our family for ever thanks again and people whoever reading this if your loan officer is ELI no need to worry you in good hands.
Mark Victoria
Had a wonderful experience with Eli, who helped us along the way in buying our first home. He is well knowledgeable, transparent, and stays in constant communication. He provides us various options and ensures that we have the proper home loan to get us started. As a first home owner, we had a lot of questions. Eli is very patient with us and explained the loan process in a way we understood. Easy to work with and goes out of his way to make sure we have the best loan.
Abby Buenavista
It’s always a pleasure working with Eli through buying a house and refinancing. He goes above and beyond in helping us with our house loan. He makes the process smooth and always making sure we get the best mortgage plan. He’s always professional, informative and helps us understand the process especially for first time buyers. Looking forward working with Eli again in the future.
Alexis Ochoa
Eli, worked relentlessly to get me my loan. He never gave up even when there was many setbacks. Eli is funny, hard-working, and always available to talk even after all was said and done. He still answers all my questions. Eli, wish you all the best and looking forward to your call when it’s time to refinance. Hopefully that soon. I recommend Eli as you’re Loan Officer. He will go above and beyond for you as he did for me. I appreciate you!
Michelly mendanha
I had the pleasure of working with Eli to secure financing for my home purchase, and I couldn’t be more grateful for his expertise and dedication. From the very beginning, he guided me through the entire process with professionalism, patience, and clear communication. He took the time to understand my financial situation and found the best loan options tailored to my needs. He was always available to answer my questions, explain complex terms, and ensure I felt confident on each step . His efficiency and attention to detail made the process smooth and easy. Thanks to him I was able to secure a great mortgage and move into my new home without any unexpected hurdles. I highly recommend him to anyone looking for a knowledgeable and trustworthy mortgage broker!
jean toledo
Exceptional Service from Eli
Working with Eli on financing my first home purchase was a fantastic experience from start to finish. He is knowledgeable, responsive, and truly went above and beyond to ensure I got the best loan option available.Throughout the process, Eli kept me informed, patiently answered all my questions, and made what can often be a stressful process feel seamless. His attention to detail and commitment to finding the best solution for my needs were evident every step of the way.
Thanks to his hard work, I was able to secure financing quickly and move into my new home with peace of mind. I highly recommend Eli to anyone looking for a top-tier mortgage broker!
Daud mohammadi
Owning a home in this market seemed impossible. Eli and his team guided us through the process. We were able to purchase our dream home. Highly recommend Better Rate Mortgage!!!
Passion Polanco
Eli was amazing working with us as first time homebuyers. He was knowledgeable and knew had to answer all of our questions. We experienced nothing but patience and kindness from him while he kept us up to speed on what was expected or required from our to do list. We gave him our timeline and he more than exceeded the process with closing in 2 weeks. Best lender and highly recommended.
Kimberly Ellis
Just closed on our 2nd loan with Eli Bayan and to say I trust him and I’m as happy this go round as the last is an understatement. He does exactly what he says he will… We purchased in the height of the worst rates a year ago knowing we would refi in 12 months. He forecasted projections accurately and things went the way he believed they would go. I trust him. I will use him and recommend him over and over. Smooth transaction always takes my calls or texts immediately. No one could beat his rates, I shopped both times.
Brooke Roe
I had the pleasure of working with Eli Bayan when purchasing my first home. Eli was incredibly helpful and took his time to coach me through the process. He truly went above and beyond to secure the deal. I’d recommend him to everyone if I could!
Marina Naiem
My husband and I had the pleasure of working with Elias Bayan. He was very professional and answered any questions we had or did not understand. This was our first time ever going through the loan process and I’m very happy that I got to work with him because he made this process so easy. Thank you again for all your help and will be definitely referring everyone I know to him since he provides phenomenal service.
Mike Samawi
I was the listing agent on a home when I recently had the pleasure of working with Eli Bayan who was the lender for the buyer side of the deal. Early on in the transaction, a drastic change occurred with the buyer that was unforeseen and out of anyone’s hands.
I truly believe that had Eli not been behind the wheel, this deal would have been dead in the water. It quickly became a complicated scenario. Had it not been for Eli thinking quickly on his feet, we would have been in contract with a new buyer and would have had to start all over again. I don’t know many lenders if any, who could have pulled this off. Because of that, I now have a happy sellers who have successfully closed on their sale.
Thank you Eli!
salvador Avila
I aspired to buy my first home but was uncertain about affordability and the risk of living paycheck to paycheck. Fortunately, my realtor, LaToyia, recommended Eli Bayan. Eli meticulously reviewed my finances, bills, and income, guiding me through the entire process to ensure I made an informed decision without jeopardizing my financial stability. His genuine care for my financial well-being and unwavering support throughout the transaction were invaluable. I cannot recommend him highly enough.
Ashmindar mattu
Eli, I just want to thank you and your company for helping me and my family achieve our goal on getting approved for this property it’s our dream come true and we’ll highly recommend you and Better Rate Mortgage to anyone and everyone that are seeking a loan for a property
Ashmindar mattu
Eli, I just want to say thank you so much for making my families dream come true on helping us get this loan for this house. It’s a blessing and you did it so fast without us having to run back-and-forth so much it was hassle free done professionally, I will highly recommend you and the company you work for in the future if someone is looking for A loan for a property I will make sure I give your information out to them. I just wanna tell you that you made things so much easy for me and my family and we were able to achieve our goal. Thanks to you. I really appreciate you and may God bless you.
Alyssa Meinking
We had the pleasure of working with Eli on the purchase of our home, and it was a smooth process from day one. He explained the process in detail initially, was always available to answer any questions for us – even if he may have already answered them. He even helped with finding us the right house that would work for us, with the right financing. Typically you hear of the nightmare process of buying a house – but this couldn’t have been farther from the truth for us. We closed super quickly – probably record time I think it was like 9 days! Eli is always on top of everything and there was never a moment he didn’t answer a call or text. We appreciate him and will recommend him if we can!
KJT
I have the best Real Estate team, ever!
Eli made the loan process very easy and everything went things went smoothly., Eli kept me informed and up to date on all the home loan steps, he provided excellent customer service and made the loan process simple and easy. My loan was pre approved which provided me with the preapproval needed which allowed me to stand superior with the purchasing power needed to be competitive.
Doralle VI was my Real estate agent. He spent a total of three years helping me look for the perfect property. He always provided and handled things with the highest in professionalism. Doralle also kept me informed and always responded to my various texts and emails, no matter the time of day, Doralle was there for me!
Both my Real Estate agent and lending officer were the absolute best! I recommend these two professionals to service all your home loan purchasing needs.
Thanks Gentleman!
LaToyia Gilmore- Realtor
I had the pleasure of working with Eli and his team on a few recent transactions, and I must say, their service exceeded all expectations!
From the initial consultation to the final approval, Eli, and his team always demonstrate professionalism, expertise, and a genuine commitment to helping my clients secure the best possible loan. It’s refreshing to work with a Loan Officer who provides my clients with the same unwavering service they’d expect from me.
I was traveling internationally during a transaction once, and received the highest praise from the Seller’s agent. She expressed how impressed she was with Eli’s communication and for that reason, she hardly felt my absence. Eli is an exceptional Loan Officer — A true asset to my business!
Janet Mays
I had the pleasure of working with Eli Bayan for my recent home purchase, and I cannot praise him enough! As a veteran using a VA loan and with somewhat complicated financial circumstances, I was anxious about the process. However, Eli made everything easy. His expertise and dedication ensured that every step was clear and manageable. He went above and beyond to secure the best deal for me, and his communication was impeccable throughout. If you’re looking for a loan officer who truly cares about your financial well-being and makes the process effortless, look no further than Eli Bayan. Highly recommend!
Zahid Iqbal
Elias is amazing. He kept me informed throughout the refinance process. We closed in less than 2 weeks. Highly recommend!
Emalyn Santos
This is our first time buying a house so you know how it feels like right? Just thinking about the whole process make us so overwhelmed. But Eli Bayan made an assurance from the very beginning that he will make everything easy for us and he’ll help us the best he can.. and he delivered!!! More than we expected! He made sure we understand the process, he explained step by step of the transaction and most, he made sure that we’ll get the best deal!
I am telling you all, Eli is very good at his job! He made us clear to close in just 9 days! He said that was the toughest part, but I honestly didn’t feel it that way because he made everything easy for us! He is always ready to answer my questions even after working hours..
I am beyond grateful for everything he did for me and my family. I will definitely recommend him to anyone I know wanting to buy a house.
Kudos to you Eli and BetterRate Mortgage! May you help more families to find their dream home..
Jessica Fuhriman
My partner and I had a very positive experience working with Eli Bayan in getting a mortgage for our first home. Eli guided us through the loan process and helped answer all of our questions. Eli went above and beyond and demonstrated great professionalism in working on a very tight timeline – Eli helped us achieve placing an offer on the home we wanted to purchase in time!
We highly recommend and look forward to working with Eli again in the future!
Adam Dahdouh
Eli Bayan worked his magic and helped my clients with a competitive rate. Eli’s expertise and dedication shine through, making him the go-to guy for anyone looking to secure the best rate when purchasing a home. Looking forward to working with you again Eli!
Hamed Omari
Eli is hands down the best lender I’ve worked with. My whole family have used him and he’s been a pleasure to work with. He’s our lender for life 🙏
Jesus Dealesandro
BRM was a great company to work with. As first time buyers my wife and I had a great experience with Elias Bayan. He is a very knowledgeable person about loans and different techniques to accomplish your goal; always open to hear concerns and ready to find solutions. We had the pleasure to meet him in person and after talking and getting to know him better we were convinced to move forward and work with him. And the result was amazing, every single steps in the process was easy and fast.
110% Recommended.
Dennis Eison
Outstanding service and closed our transaction smoothly and on time as promised. Absolute professionalism and aptitude with our ever changing real estate landscape. I’ll definitely be an advocate for their services and products!
Anish Kumar
Better Rate Mortgage has the best customer service. I was on verge of losing my hope of buying a house but then Eli came into picture and gave a good loan option which made me buy the house . Thanks Eli for making this happen. Will recommend my friends to him in the future.
Kevin Bardales
I was introduced to Eli through a fellow agent within our brokerage, and it has been a truly gratifying experience collaborating with him. Eli’s exceptional resourcefulness and outstanding support have significantly enhanced the process of assisting our clients in their home search.
Eli’s communication skills are exemplary, and his unwavering availability coupled with a commendable work ethic truly sets him apart in the industry. From the initial stages of pre-approval to the seamless closure of escrow, I am thoroughly impressed with Eli’s dedication and professionalism.
I extend my sincere appreciation to Eli for his invaluable contributions, and I eagerly anticipate the opportunity to engage in numerous future collaborations. Thank you, Eli, for your exceptional service, and I am confident that our continued partnership will yield continued success.
Kimberly Ellis
Best loan transaction I’ve ever had. We closed in 2-3 weeks no issues. Eli was very responsive. We look forward to the next opportunity. Highly recommend.
Kellie
Eli is an amazing mortgage consultant, impressively, blended knowledge, dedication, and stellar communication to swiftly secure financing for the buyer on my listing. I would highly recommend Eli to anyone looking for a mortgage.
Bernadette Pomar
Eli has been the greatest asset in this team, for me on this transaction. My client is always changing her mind and Eli helped me explain to my client regarding the loan and he was always on top of any situation that had come up.
Ron Sharma
Just had an excellent experience with Eli at better rate mortgage. We were able to close early and also get a large seller credit to help with the buyers purchase. This is a first time buyer that has been renting in the San Pablo, Richmond area for seventeen plus years. I’m glad we connected and got it all done. I’m looking forward to more closings with better rate mortgage. Congratulations Cervantes 🎊 Family!!
Blanca Pedraza
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Jerry Sidhu
Eli was a pleasure to work with. He always kept my buyer and I updated with the loan. Smooth transaction. Look forward to working with him and his team again
Aamir Khan
Elias was great and lots of help, he is very knowledgeable and his communication was 10/10, I would definitely always use him and refer him to anyone I can! I will always use Eli as my Go to lender.
Caroline Chu
Eli has been very helpful throughout the entire home buying process from the start to finish. He always looks out for his clients in their best interest and his experience in this industry shows. I would highly recommend him for anyone who is looking for someone to help them get started especially first time home buyers! Thanks Eli!
Youseph Anwar
Elias has been nothing short of one the best professionals I’ve dealt with. He helped me purchase my first home and was there every step of the way. Our realtor had never sold a home either and it heavily relied on Elias and whether it was a 7 AM or 11 pm he was there for me. Even when I got notarized the notary person said I never get lenders to help out and you must have a great one to take care of you like that and Elias did for sure. Overall the group helped a lot, especially Elias who I can’t stop raving about or recommending to others
Ben Kaltakchi
Great experience, everything went smooth and fast. Not dealing with anyone besides Eli from now on.
Mark Victoria
Had a wonderful experience with Eli, who helped us along the way in buying our first home. He is well knowledgeable, transparent, and stays in constant communication. He provides us various options and ensures that we have the proper home loan to get us started. As a first home owner, we had a lot of questions. Eli is very patient with us and explained the loan process in a way we understood. Easy to work with and goes out of his way to make sure we have the best loan.
Simona Dejeu
Eli helped my clients get an amazing deal with their home loan and really assisted me with keeping the escrow flowing as smoothly as possible. Highly recommend him for anyone looking for a professional lender anywhere in Sacramento, Placer, and El Dorado county!