BaySierra Financial, Inc. (“BaySierra”) is a licensed California real estate broker specializing in the business of arranging, funding, selling, purchasing and servicing trust deed investments secured by California real property for its private investors and its own account.

BaySierra has arranged over $310 Million of loans secured by deeds of trust. Currently, BaySierra services approximately $39 Million of loans secured by deeds of trust for over 180 investors. BaySierra’s offices are located at 1410 Neotomas Avenue, Suite 106, Santa Rosa, California 95405.

BaySierra was formed in 2000 by its former owners, John M. Graziano and Pamela K. Graziano, and has been a licensed real estate brokerage firm since that time, also operating under the fictitious business name of Santa Rosa Mortgage & Investment Company.

On December 31, 2014, John and Pamela Graziano sold their interests in BaySierra to long time employees, Robert Ritter and Stacy Robles who are now BaySierra’s sole shareholders and serve as BaySierra’s President and Vice President, respectively.

Meet Our Agents

Bobby Ritter – President

Cal Bre License #01467912 / NMLS 1184601

Robert Ritter joined BaySierra Financial, Inc. in 2003. At the end of 2014, Robert purchased 50% of BaySierra’s outstanding stock and was appointed as BaySierra’s President. During Bobby’s 11+ years with BaySierra he has been responsible for managing both of BaySierra’s mortgage funds including, loan quality, collection of non-performing assets, real estate owned management, day-to-day fund operations and working with certified public accountants and securities attorneys. As President and part owner he will now be involved in all aspects of BaySierra’s business activities.

Bobby holds a California Real Estate Broker’s License and a National Mortgage Licensing System (NMLS) license endorsement for arranging consumer real estate loans on residential properties.

Bobby grew up along the central coast in the Monterey, CA and in 1999 he moved up to wine country to attend Sonoma State University. He played on SSU’s baseball team and earned a Bachelor of Science in Business Administration with a concentration in Accounting in 2003. He is married with 2 children and lives in Santa Rosa.

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Stacey Robles – Vice President

Cal Bre License #01943160 / NMLS 1184752

Stacey Robles has been an employee of BaySierra Financial, Inc. since 1998. At the end of 2014, Stacey purchased 50% of BaySierra’s outstanding stock and was appointed as BaySierra’s Vice President. During Stacey’s 16+ years with BaySierra she has served as its Operations Manager with extensive experience in investor relations, loan originations, underwriting and the preparation of loan documentation and loan modifications. She also managed and oversaw BaySierra’s servicing department on payment collection; worked with delinquent borrowers; and established and oversaw foreclosure procedures. She also has considerable experience working closely with investors on funding loans and the preparation of investor/lender loan documentation. As Vice President and part owner she will now be involved in all aspects of BaySierra’s business activities.

Stacey holds a California Real Estate Sales License, a Nationwide Mortgage Licensing System (NMLS) license endorsement for arranging consumer real estate loans on residential properties and is a licensed Notary Public.

She is a native of Sonoma County, is married with 2 children and lives in Santa Rosa.

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John M. Graziano

Cal Bre License #00957140

John specializes in the origination and funding of private money loans.

John was President of BaySierra from 2000 – 2014. Previously, he worked 17 years in banking with lending experience in the areas of consumer finance, residential real estate, commercial real estate, business lending and loan administration.

He has been a licensed California Real Estate Broker since 1987. John has a degree from Cal-State Northridge in history. He is on the Board of Directors of the California Mortgage Association, the trade association for private lending and previously served as its President for 2 years.

John was born in New York, raised in Southern California and has lived in Sonoma County since 1978. In his spare time, he enjoys snow skiing, gardening and growing wine grapes.

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Jeff Jones

Cal Bre License #01338526

Jeff Jones is the newest addition to Bay Sierra’s team. Jeff joined BSF in 2014. As the founders of BSF’s son, Jeff has been exposed to the needs and nuances of private money finance for well over 20 years. While not a stranger to private money, Jeff is new to the office, and is excited to put his skills and knowledge of the industry to work for BSF.
Jeff holds a California Real Estate License.

Jeff is a native of Sonoma County and a graduate of Santa Rosa High School. He continued his education at Butte College where he studied Business and Real Estate. While at Butte Jeff played on the golf team and he still holds a single digit handicap. He lives in Santa Rosa with his fiancé and daughter. In his spare time he enjoys riding bikes and motorcycles, playing golf, and the bounty of food, wine, and weather that make Sonoma County a great place to live.

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Lou Steinberg

Cal Bre License #00551176

Lou specializes in placing commercial loans through lending institutions, nation-wide.

He joined BaySierra Financial in April 2008 as a Broker Associate. Prior to joining BaySierra Financial, Lou worked as a Vice President for ITM Commercial Division.

After graduating from Sonoma State University, Lou went to work for Bank of America, working with all forms of commercial lending. Then Lou went out on his own and became a Broker and Partner in his own Real Estate Sales and Leasing company, focusing on commercial and land sales in California and Nevada.

He is very active in community events and received the Distinguished Alumni award from Sonoma State University for 2007-2008. He also served on the State Faculty for Continuing Education and was an instructor for Anthony School of Real Estate.

He also served as the President of the Board of Realtors in 1990 and many years as both a CAR and NAR Director

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Denise Beeson

Cal Bre License #01829200

Denise Beeson joined Bay Sierra Financial, LLC in 2009 as Broker Associate specializing in placing commercial loans with preferred lending institutions including SBA 7a/504 loans and private money financing.

She has over 15 years of banking experience. Prior to Bay Sierra she was Vice President at WAMU responsible for small business relationships in the North Bay and Business Development/SBA Loan Officer with Summit State Bank in Sonoma county. She has also worked for Chase Home Loans and Cal Bay Mortgage Co. Denise Beeson is also an Adjunct Instructor in the Business Administration Dept at SRJC and well published in the field of small business management and marketing.

Denise Beeson has a BA from Whittier College and an MA from San Francisco State. She has been a resident of Sonoma County since 1970s and has been very involved in her community participating in the Santa Rosa Chamber of Commerce, and the Sonoma County Library Literacy Program.

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Tom Lubas

Cal Bre License #00969809 / NMLS 254188

Tom specializes in reverse mortgages. He joined BaySierra Financial in 2000 as a Broker Associate. Prior to joining BaySierra Financial, Tom was with Santa Rosa Mortgage & Investment Co. for seven years. He has over 40 years of combined experience in banking, accounting and the mortgage business. Tom holds a degree in Business Administration from the University of Denver. He also served as Chairman of the Sonoma County Planning Commission.

Tom lives in Forestville, CA with his wife.

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