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 OptionsReverse Mortgage
Ages 62 and older borrow against their home’s equity for tax-free payments
See Loan OptionsTake 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 OptionsShorten Your Loan Term
Ages 62 and older borrow against their home’s equity for tax-free payments
See Loan OptionsTake 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 OptionsDon’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
JAIME Albor
5 months ago
We couldn’t have chosen a better lender with Fernando! He was extremely helpful throughout the entire process ones again. 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. Best choice you can make when it comes to refinancing or purchasing a home
Irina Kardos
6 months ago
Mr. Fernando Vicente helped us to refinance our house. To ask Fernando to be our refinancing agent was a really great decision. Fernando is highly knowledgeable and super professional. The entire refinancing process went smoothly and timely. It was unfolding as by magic. Honestly, we did not have the best FICO scores and we had doubts about whether we will be able to refinance at all. Fernado made it happen. He managed to find us grate rates and a good lander. He was with us from the very beginning to the end of the process guiding, encouraging and directing us during every step. He was available 24/7 to answer all our questions and to provide advice. If you think about refinancing your house, we highly recommend doing it with Mr. Fernando Vicente. You just cannot go wrong. Thank you, dear Fernando, from all our hearts for the wonderful job you have accomplished.
bellamar guerrero
8 months ago
As a first-time home buyer, I couldn’t have asked for a better mortgage consultant than Fernando. From the very beginning, he was incredibly helpful, patient, and professional. He communicated everything clearly, answered all of my questions (no matter how small), and made sure I understood each step of the mortgage process.
Fernando was always available — whether by phone or message — and consistently went above and beyond to help me find the best interest rate possible. He also worked closely with my real estate agent to make sure everything moved smoothly and efficiently.
His ability to explain complex things in a simple way gave me so much peace of mind throughout the process. On top of that, he speaks perfect Spanish, which made everything even more comfortable for me.
I 100% recommend Fernando to anyone looking for a knowledgeable, trustworthy, and dedicated mortgage consultant. He truly made my first home buying experience a great one!
Fernando was always available — whether by phone or message — and consistently went above and beyond to help me find the best interest rate possible. He also worked closely with my real estate agent to make sure everything moved smoothly and efficiently.
His ability to explain complex things in a simple way gave me so much peace of mind throughout the process. On top of that, he speaks perfect Spanish, which made everything even more comfortable for me.
I 100% recommend Fernando to anyone looking for a knowledgeable, trustworthy, and dedicated mortgage consultant. He truly made my first home buying experience a great one!
Mayra Gonzalez
1 year ago
Fernando is the best mortgage broker you will find! He made the process of buying a home very smooth. He is very flexible and always available, not only during the buying process but also after closing the purchase. He explains everything about the process with a lot of detail and makes sure you understand everything. His professionalism, knowledge and dedication to his work makes the process a great experience. I highly recommend Fernando!
Andrea Llamas
2 years ago
Fernando was very helpful and kind. He answered all our financial questions and guided us through every step. I highly recommend his service!
Alejandro Torres
2 years ago
Fernando has processed 3 of my personal loans and I have taken several clients to his office. He is flexible and responsive.
ShayCobie Silapan
2 years ago
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 !!!!!
rosa herrera
2 years ago
ulises arrona
2 years ago
Leandro Rocha
2 years ago
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!
Marco Elliott
3 years ago
It was quick and easy and professional
Hortencia Anaya
3 years ago
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.
Maria A
3 years ago
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.
Maria Albor
3 years ago
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!
Esmeralda Lopez
3 years ago
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!
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
JAIME Albor
5 months ago
We couldn’t have chosen a better lender with Fernando! He was extremely helpful throughout the entire process ones again. 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. Best choice you can make when it comes to refinancing or purchasing a home
Irina Kardos
6 months ago
Mr. Fernando Vicente helped us to refinance our house. To ask Fernando to be our refinancing agent was a really great decision. Fernando is highly knowledgeable and super professional. The entire refinancing process went smoothly and timely. It was unfolding as by magic. Honestly, we did not have the best FICO scores and we had doubts about whether we will be able to refinance at all. Fernado made it happen. He managed to find us grate rates and a good lander. He was with us from the very beginning to the end of the process guiding, encouraging and directing us during every step. He was available 24/7 to answer all our questions and to provide advice. If you think about refinancing your house, we highly recommend doing it with Mr. Fernando Vicente. You just cannot go wrong. Thank you, dear Fernando, from all our hearts for the wonderful job you have accomplished.
bellamar guerrero
8 months ago
As a first-time home buyer, I couldn’t have asked for a better mortgage consultant than Fernando. From the very beginning, he was incredibly helpful, patient, and professional. He communicated everything clearly, answered all of my questions (no matter how small), and made sure I understood each step of the mortgage process.
Fernando was always available — whether by phone or message — and consistently went above and beyond to help me find the best interest rate possible. He also worked closely with my real estate agent to make sure everything moved smoothly and efficiently.
His ability to explain complex things in a simple way gave me so much peace of mind throughout the process. On top of that, he speaks perfect Spanish, which made everything even more comfortable for me.
I 100% recommend Fernando to anyone looking for a knowledgeable, trustworthy, and dedicated mortgage consultant. He truly made my first home buying experience a great one!
Fernando was always available — whether by phone or message — and consistently went above and beyond to help me find the best interest rate possible. He also worked closely with my real estate agent to make sure everything moved smoothly and efficiently.
His ability to explain complex things in a simple way gave me so much peace of mind throughout the process. On top of that, he speaks perfect Spanish, which made everything even more comfortable for me.
I 100% recommend Fernando to anyone looking for a knowledgeable, trustworthy, and dedicated mortgage consultant. He truly made my first home buying experience a great one!
Mayra Gonzalez
1 year ago
Fernando is the best mortgage broker you will find! He made the process of buying a home very smooth. He is very flexible and always available, not only during the buying process but also after closing the purchase. He explains everything about the process with a lot of detail and makes sure you understand everything. His professionalism, knowledge and dedication to his work makes the process a great experience. I highly recommend Fernando!
Andrea Llamas
2 years ago
Fernando was very helpful and kind. He answered all our financial questions and guided us through every step. I highly recommend his service!
Alejandro Torres
2 years ago
Fernando has processed 3 of my personal loans and I have taken several clients to his office. He is flexible and responsive.
ShayCobie Silapan
2 years ago
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 !!!!!
rosa herrera
2 years ago
ulises arrona
2 years ago
Leandro Rocha
2 years ago
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!
Marco Elliott
3 years ago
It was quick and easy and professional
Hortencia Anaya
3 years ago
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.
Maria A
3 years ago
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.
Maria Albor
3 years ago
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!
Esmeralda Lopez
3 years ago
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!
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
JAIME Albor
5 months ago
We couldn’t have chosen a better lender with Fernando! He was extremely helpful throughout the entire process ones again. 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. Best choice you can make when it comes to refinancing or purchasing a home
Irina Kardos
6 months ago
Mr. Fernando Vicente helped us to refinance our house. To ask Fernando to be our refinancing agent was a really great decision. Fernando is highly knowledgeable and super professional. The entire refinancing process went smoothly and timely. It was unfolding as by magic. Honestly, we did not have the best FICO scores and we had doubts about whether we will be able to refinance at all. Fernado made it happen. He managed to find us grate rates and a good lander. He was with us from the very beginning to the end of the process guiding, encouraging and directing us during every step. He was available 24/7 to answer all our questions and to provide advice. If you think about refinancing your house, we highly recommend doing it with Mr. Fernando Vicente. You just cannot go wrong. Thank you, dear Fernando, from all our hearts for the wonderful job you have accomplished.
bellamar guerrero
8 months ago
As a first-time home buyer, I couldn’t have asked for a better mortgage consultant than Fernando. From the very beginning, he was incredibly helpful, patient, and professional. He communicated everything clearly, answered all of my questions (no matter how small), and made sure I understood each step of the mortgage process.
Fernando was always available — whether by phone or message — and consistently went above and beyond to help me find the best interest rate possible. He also worked closely with my real estate agent to make sure everything moved smoothly and efficiently.
His ability to explain complex things in a simple way gave me so much peace of mind throughout the process. On top of that, he speaks perfect Spanish, which made everything even more comfortable for me.
I 100% recommend Fernando to anyone looking for a knowledgeable, trustworthy, and dedicated mortgage consultant. He truly made my first home buying experience a great one!
Fernando was always available — whether by phone or message — and consistently went above and beyond to help me find the best interest rate possible. He also worked closely with my real estate agent to make sure everything moved smoothly and efficiently.
His ability to explain complex things in a simple way gave me so much peace of mind throughout the process. On top of that, he speaks perfect Spanish, which made everything even more comfortable for me.
I 100% recommend Fernando to anyone looking for a knowledgeable, trustworthy, and dedicated mortgage consultant. He truly made my first home buying experience a great one!
Mayra Gonzalez
1 year ago
Fernando is the best mortgage broker you will find! He made the process of buying a home very smooth. He is very flexible and always available, not only during the buying process but also after closing the purchase. He explains everything about the process with a lot of detail and makes sure you understand everything. His professionalism, knowledge and dedication to his work makes the process a great experience. I highly recommend Fernando!
Andrea Llamas
2 years ago
Fernando was very helpful and kind. He answered all our financial questions and guided us through every step. I highly recommend his service!
Alejandro Torres
2 years ago
Fernando has processed 3 of my personal loans and I have taken several clients to his office. He is flexible and responsive.
ShayCobie Silapan
2 years ago
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 !!!!!
rosa herrera
2 years ago
ulises arrona
2 years ago
Leandro Rocha
2 years ago
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!
Marco Elliott
3 years ago
It was quick and easy and professional
Hortencia Anaya
3 years ago
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.
Maria A
3 years ago
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.
Maria Albor
3 years ago
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!
Esmeralda Lopez
3 years ago
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!
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.