AI AND I

CAN ARTIFICIAL INTELLIGENCE REPLACE
MORTGAGE PROFESSIONALS LIKE MYSELF?

Honestly, no one really knows what tomorrow will bring. Things are moving very fast—AI can already write stories, compose music, and even control complex systems. But in my experience, there is still no substitute for the human brain, human expertise, and—most importantly—human relationships.

Every transaction I handle is different. Right now, I’m working on three purchases and a refinance. Each one requires a unique approach, because every client has different needs, circumstances, and challenges. That’s where experience, knowledge, and personal attention truly matter—something no machine can fully replace.

So, let’s wait and see where technology takes us. In the meantime, my advice is simple: enjoy your life. And if you ever have questions, face challenges, or need assistance, I’m here for you.

Give me a call anytime — I promise to help: (415)-225-7920

Manny Kagan,
President,
Pacific Bay Financial Corporation
Your professional mortgage broker since 1983

NMLS #205637
DRE #00874630