Hilary Byrde

Email: hilary.byrde@firstcitizens.com

Office Phone Number: 415-595-8292

NMLS# 1157843

I value my role as a Mortgage Banker Market Specialist committed to guiding clients through the home financing journey with confidence and clarity. With expertise in down payment assistance programs, first time homebuyer grants, affordable housing options, I  specialize in helping new buyers overcome barriers to homeownership. I  also provide tailored financing for second homes and investment properties ensuring my clients receive the right solution to meet both personal and long-term financial goals.


My career reflects a strong dedication to community-focused lending, where I partner with realtors, nonprofit organizations, and housing agencies to connect clients with resources that make homeownership more achievable. By combining industry knowledge with client-first approach, I ensure borrowers feel informed, supported and empowered at every stage of the mortgage process.


Known for my professionalism, responsiveness, and problem-solving, I built trusted relationships with referral partners who rely on me to deliver timely approvals, competitive solutions and exceptional service. Whether guiding a first-time buyer, structuring financing for a vacation home, or helping an investor expand their portfolio, I bring insight and care to every transaction.


Beyond lending, I am compassionate about financial literacy and community development, believing that responsible mortgage guidance not only helps families build stability but also strengthens neighborhoods. My goal is simple: to be a reliable partner and trusted resource for clients and colleagues alike.