Make Your Dream of Owning a Home a Reality with California's Top Rated Mortgage Broker

Make Your Dream of Owning a Home a Reality with California's Top Rated Mortgage Broker

Make Your Dream of Owning a Home a Reality with California's Top Rated Mortgage Broker

HOME LOANS MADE EASY

HOME LOANS MADE EASY

HOME LOANS MADE EASY

Experience a hassle-free mortgage process with online lender convenience, competitive rates, and the dedicated support of our expert mortgage brokers.

Experience a hassle-free mortgage process with online lender convenience, competitive rates, and the dedicated support of our expert mortgage brokers.

Experience a hassle-free mortgage process with online lender convenience, competitive rates, and the dedicated support of our expert mortgage brokers.

Take advantage of our competitive rates today for
buying or refinancing your home.

Purchase With Confidence

Verified approvals
24-72 hrs.
Stronger offers
Owner Occupied, Second, or Investment homes

See Loan Options

Get Cash Out

Home Improvements
or
Save by paying down high interest debt

See Loan Options

Lower Monthly Payment

Lower Interest Rate and Payment

See Loan Options

Reverse Mortgage

Ages 62 and older borrow against their home’s equity for tax-free payments

See Loan Options

Take advantage of our competitive rates today for buying or refinancing your home.

Purchase With Confidence

Verified approvals
24-72 hrs.
Stronger offers
Owner Occupied, Second, or Investment homes

See Loan Options

Get Cash Out

Home Improvements
or
Save by paying down high interest debt

See Loan Options

Lower Monthly Payment

Lower Interest Rate and Payment

See Loan Options

Shorten Your Loan Term

Ages 62 and older borrow against their home’s equity for tax-free payments

See Loan Options

Take advantage of our competitive rates today for buying or refinancing your home.

Purchase With Confidence

Verified approvals
24-72 hrs.
Stronger offers
Owner Occupied, Second, or Investment homes

See Loan Options

Get Cash Out

Home Improvements
or
Save by paying down high interest debt

See Loan Options

Lower Monthly Payment

Lower Interest Rate
and Payment

See Loan Options

Shorten Your Loan Term

Ages 62 and older borrow against their home’s equity for tax-free payments

See Loan Options

Don’t take our word for it!

At Bay Equity we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders

Andrea LlamasAndrea Llamas
23:57 18 Oct 24
Fernando was very helpful and kind. He answered all our financial questions and guided us through every step. I highly recommend his service!
Alejandro TorresAlejandro Torres
19:56 30 May 24
Fernando has processed 3 of my personal loans and I have taken several clients to his office. He is flexible and responsive.
ShayCobie SilapanShayCobie Silapan
00:19 07 May 24
Yes, I recommend Fernando 100%, helped me through the process explained everything to me, stood by my side. I am sending everybody your way thank you for everything. You really know what you’re doing . I was a little worried at first, but boy did you show me wrong? You are on it... 100%. Thank you again !!!!!read more
rosa herrerarosa herrera
05:10 13 Apr 24
ulises arronaulises arrona
04:50 16 Jan 24
Leandro RochaLeandro Rocha
21:05 30 Dec 23
Fernando is an excellent mortgage broker! He helped my wife and I understand the entire loan process during the search for our first home. He guided us every step of the way and he was always available to answer all of our questions and address our concerns. His knowledge, attention... to detail, and great customer service made us very grateful to have worked with him. It was evident that he always had our best interest at heart. We highly recommend him to anyone looking for a loan officer. We look forward to working with him again in the future!read more
Marco ElliottMarco Elliott
20:45 19 Oct 23
It was quick and easy and professional
Hortencia AnayaHortencia Anaya
20:39 19 Oct 23
I am beyond pleased for the work, time and dedication Fernando gave us during our home buying process. He was always professional, attentive, he went the extra mile to get us financing and he was one of the most diligent communicative professionals we’ve worked with. His knowledge... made the process faster and smoother, his is a delight to work with. We were very thankful to have him in our corner. I highly recommend him. Thank you, Fernando.read more
Maria AMaria A
23:57 18 Oct 23
We couldn’t have chosen a better lender, we had a 5 star service with Fernando! He was extremely helpful throughout the entire process of buying our house. He explained everything in detail and answered any questions we had. He also took the time to make sure he explained every... option available out there for us and was very patient and helpful. We appreciate how Fernando makes himself available for any questions or concerned you may have. He is great at what he does, I would definitely recommend him to family and friends.read more
Maria AlborMaria Albor
18:20 14 May 23
This is our second time working with Fernando, and once again we had the best loan process experience. Fernando goes above and beyond to make the process as smooth as possible by making himself available to answer any of your questions and concerns before, during and after the whole... process. Not only does Fernando treat you with kindness and respect but he treats you like family. I have recommended Fernando to friends and family and will continue to do so. Thank you for everything Fernando!read more
Esmeralda LopezEsmeralda Lopez
01:34 21 Apr 23
Fernando Vicente is such an amazing person. He is very knowledgeable, patient and kind. He helped me every step of the way with a positive attitude. Whenever I had doubts about something he would patiently explain it to me over again. I am very grateful for all the support I received... from him. Thank you!read more
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Don’t take our word for it!

At Bay Equity we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders

Andrea LlamasAndrea Llamas
23:57 18 Oct 24
Fernando was very helpful and kind. He answered all our financial questions and guided us through every step. I highly recommend his service!
Alejandro TorresAlejandro Torres
19:56 30 May 24
Fernando has processed 3 of my personal loans and I have taken several clients to his office. He is flexible and responsive.
ShayCobie SilapanShayCobie Silapan
00:19 07 May 24
Yes, I recommend Fernando 100%, helped me through the process explained everything to me, stood by my side. I am sending everybody your way thank you for everything. You really know what you’re doing . I was a little worried at first, but boy did you show me wrong? You are on it... 100%. Thank you again !!!!!read more
rosa herrerarosa herrera
05:10 13 Apr 24
ulises arronaulises arrona
04:50 16 Jan 24
Leandro RochaLeandro Rocha
21:05 30 Dec 23
Fernando is an excellent mortgage broker! He helped my wife and I understand the entire loan process during the search for our first home. He guided us every step of the way and he was always available to answer all of our questions and address our concerns. His knowledge, attention... to detail, and great customer service made us very grateful to have worked with him. It was evident that he always had our best interest at heart. We highly recommend him to anyone looking for a loan officer. We look forward to working with him again in the future!read more
Marco ElliottMarco Elliott
20:45 19 Oct 23
It was quick and easy and professional
Hortencia AnayaHortencia Anaya
20:39 19 Oct 23
I am beyond pleased for the work, time and dedication Fernando gave us during our home buying process. He was always professional, attentive, he went the extra mile to get us financing and he was one of the most diligent communicative professionals we’ve worked with. His knowledge... made the process faster and smoother, his is a delight to work with. We were very thankful to have him in our corner. I highly recommend him. Thank you, Fernando.read more
Maria AMaria A
23:57 18 Oct 23
We couldn’t have chosen a better lender, we had a 5 star service with Fernando! He was extremely helpful throughout the entire process of buying our house. He explained everything in detail and answered any questions we had. He also took the time to make sure he explained every... option available out there for us and was very patient and helpful. We appreciate how Fernando makes himself available for any questions or concerned you may have. He is great at what he does, I would definitely recommend him to family and friends.read more
Maria AlborMaria Albor
18:20 14 May 23
This is our second time working with Fernando, and once again we had the best loan process experience. Fernando goes above and beyond to make the process as smooth as possible by making himself available to answer any of your questions and concerns before, during and after the whole... process. Not only does Fernando treat you with kindness and respect but he treats you like family. I have recommended Fernando to friends and family and will continue to do so. Thank you for everything Fernando!read more
Esmeralda LopezEsmeralda Lopez
01:34 21 Apr 23
Fernando Vicente is such an amazing person. He is very knowledgeable, patient and kind. He helped me every step of the way with a positive attitude. Whenever I had doubts about something he would patiently explain it to me over again. I am very grateful for all the support I received... from him. Thank you!read more
js_loader

Don’t take our word for it!

At Bay Equity we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders

Andrea LlamasAndrea Llamas
23:57 18 Oct 24
Fernando was very helpful and kind. He answered all our financial questions and guided us through every step. I highly recommend his service!
Alejandro TorresAlejandro Torres
19:56 30 May 24
Fernando has processed 3 of my personal loans and I have taken several clients to his office. He is flexible and responsive.
ShayCobie SilapanShayCobie Silapan
00:19 07 May 24
Yes, I recommend Fernando 100%, helped me through the process explained everything to me, stood by my side. I am sending everybody your way thank you for everything. You really know what you’re doing . I was a little worried at first, but boy did you show me wrong? You are on it... 100%. Thank you again !!!!!read more
rosa herrerarosa herrera
05:10 13 Apr 24
ulises arronaulises arrona
04:50 16 Jan 24
Leandro RochaLeandro Rocha
21:05 30 Dec 23
Fernando is an excellent mortgage broker! He helped my wife and I understand the entire loan process during the search for our first home. He guided us every step of the way and he was always available to answer all of our questions and address our concerns. His knowledge, attention... to detail, and great customer service made us very grateful to have worked with him. It was evident that he always had our best interest at heart. We highly recommend him to anyone looking for a loan officer. We look forward to working with him again in the future!read more
Marco ElliottMarco Elliott
20:45 19 Oct 23
It was quick and easy and professional
Hortencia AnayaHortencia Anaya
20:39 19 Oct 23
I am beyond pleased for the work, time and dedication Fernando gave us during our home buying process. He was always professional, attentive, he went the extra mile to get us financing and he was one of the most diligent communicative professionals we’ve worked with. His knowledge... made the process faster and smoother, his is a delight to work with. We were very thankful to have him in our corner. I highly recommend him. Thank you, Fernando.read more
Maria AMaria A
23:57 18 Oct 23
We couldn’t have chosen a better lender, we had a 5 star service with Fernando! He was extremely helpful throughout the entire process of buying our house. He explained everything in detail and answered any questions we had. He also took the time to make sure he explained every... option available out there for us and was very patient and helpful. We appreciate how Fernando makes himself available for any questions or concerned you may have. He is great at what he does, I would definitely recommend him to family and friends.read more
Maria AlborMaria Albor
18:20 14 May 23
This is our second time working with Fernando, and once again we had the best loan process experience. Fernando goes above and beyond to make the process as smooth as possible by making himself available to answer any of your questions and concerns before, during and after the whole... process. Not only does Fernando treat you with kindness and respect but he treats you like family. I have recommended Fernando to friends and family and will continue to do so. Thank you for everything Fernando!read more
Esmeralda LopezEsmeralda Lopez
01:34 21 Apr 23
Fernando Vicente is such an amazing person. He is very knowledgeable, patient and kind. He helped me every step of the way with a positive attitude. Whenever I had doubts about something he would patiently explain it to me over again. I am very grateful for all the support I received... from him. Thank you!read more
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We're Here Because We Do it Better

Check out our plan for getting you a low rate and making the process convenient and hassle-free

Step 1:

Fill out our 2-minute discovery mortgage prequalification form

You can complete our secure application process from any computer or even right from your smartphone.

Step 2:

We will research and match you with the best mortgage program

We will go over your different mortgage options and then match you with the right lender for low rates and a hassle-free process.

Step 3:

We will get in touch with you to finalize your application, documents, and get you quickly to the closing table.

We will get your loan closed quickly, helping you buy your dream home or maybe save money on a refinance.

We're Here Because We Do it Better

Check out our plan for getting you a low rate and making the process convenient and hassle-free

Step 1:

Fill out our 2-minute discovery mortgage prequalification form

You can complete our secure application process from any computer or even right from your smartphone.

Step 2:

We will research and match you with the best mortgage program

We will go over your different mortgage options and then match you with the right lender for low rates and a hassle-free process.

Step 3:

We will get in touch with you to finalize your application, documents, and get you quickly to the closing table.

We will get your loan closed quickly, helping you buy your dream home or maybe save money on a refinance.

We're Here Because We Do it Better

Check out our plan for getting you a low rate and making the process convenient and hassle-free

Step 1:

Fill out our 2-minute discovery mortgage prequalification form

You can complete our secure application process from any computer or even right from your smartphone.

Step 2:

We will research and match you with the best mortgage program

We will go over your different mortgage options and then match you with the right lender for low rates and a hassle-free process.

Step 3:

We will get in touch with you to finalize your application, documents, and get you quickly to the closing table.

We will get your loan closed quickly, helping you buy your dream home or maybe save money on a refinance.

We recognize that your needs are unique, and we would love to find out exactly how we can be of service to you.

Experience the Bay Equity Lending Difference!

We recognize that your needs are unique, and we would love to find out exactly how we can be of service to you.

Experience the Bay Equity Lending Difference!

We recognize that your needs are unique, and we would love to find out exactly how we can be of service to you.

Experience the
Bay Equity Lending Difference!

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