Our Team at
Bay Equity Lending
Our loan officers are knowledgeable and experienced professionals who take a consultative approach to ensure you understand your options and can make an informed decision. They have the expertise to guide you through the entire mortgage process, from pre-qualification to closing. Our team takes pride in providing the highest level of customer service and will work to ensure all your questions are answered in a timely manner. With Bay Equity Lending, you can trust that you are in good hands.

My name is Fernando Vicente, and I’m a Mortgage Loan Officer with Bay Equity Lending, Inc.
With over a decade of experience in the mortgage and real estate industry, I’ve had the privilege of guiding countless families and first-time buyers throughout Watsonville, Santa Cruz County, Monterey County, and across California toward achieving their dream of homeownership.
Call Direct: 831-234-0336
[email protected]

Rodolfo F. Anaya is a veteran mortgage and real estate finance executive with over 40 years of leadership experience. As President of Prime Home Loans Inc., he drives company strategy, builds high-performing teams, and manages investor relations. Known for his expertise in FHA, VA, and Conventional financing, Rodolfo has consistently expanded market presence and streamlined operations across multiple firms, earning recognition as both a top producer and trusted industry leader.
Call Direct: 818-384-3480
[email protected]
Our Team at
Bay Equity Lending
Our loan officers are knowledgeable and experienced professionals who take a consultative approach to ensure you understand your options and can make an informed decision. They have the expertise to guide you through the entire mortgage process, from pre-qualification to closing. Our team takes pride in providing the highest level of customer service and will work to ensure all your questions are answered in a timely manner. With Bay Equity Lending, you can trust that you are in good hands.

My name is Fernando Vicente, and I’m a Mortgage Loan Officer with Bay Equity Lending, Inc.
With over a decade of experience in the mortgage and real estate industry, I’ve had the privilege of guiding countless families and first-time buyers throughout Watsonville, Santa Cruz County, Monterey County, and across California toward achieving their dream of homeownership.
Call Direct: 831-234-0336
[email protected]

Rodolfo F. Anaya is a veteran mortgage and real estate finance executive with over 40 years of leadership experience. As President of Prime Home Loans Inc., he drives company strategy, builds high-performing teams, and manages investor relations. Known for his expertise in FHA, VA, and Conventional financing, Rodolfo has consistently expanded market presence and streamlined operations across multiple firms, earning recognition as both a top producer and trusted industry leader.
Call Direct: 818-384-3480
[email protected]
Our Team at
Bay Equity Lending
Our loan officers are knowledgeable and experienced professionals who take a consultative approach to ensure you understand your options and can make an informed decision. They have the expertise to guide you through the entire mortgage process, from pre-qualification to closing. Our team takes pride in providing the highest level of customer service and will work to ensure all your questions are answered in a timely manner. With Bay Equity Lending, you can trust that you are in good hands.

My name is Fernando Vicente, and I’m a Mortgage Loan Officer with Bay Equity Lending, Inc.
With over a decade of experience in the mortgage and real estate industry, I’ve had the privilege of guiding countless families and first-time buyers throughout Watsonville, Santa Cruz County, Monterey County, and across California toward achieving their dream of homeownership.
Call Direct: 831-234-0336
[email protected]

Rodolfo F. Anaya is a veteran mortgage and real estate finance executive with over 40 years of leadership experience. As President of Prime Home Loans Inc., he drives company strategy, builds high-performing teams, and manages investor relations. Known for his expertise in FHA, VA, and Conventional financing, Rodolfo has consistently expanded market presence and streamlined operations across multiple firms, earning recognition as both a top producer and trusted industry leader.
Call Direct: 818-384-3480
[email protected]
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
Posted on bellamar guerreroTrustindex verifies that the original source of the review is Google. 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!Posted on Tania GrijalvaTrustindex verifies that the original source of the review is Google. Cuando uno es primer comprador hay muchas preguntas y dudas y mucho estres pero Fernando nos ayudo a que el proceso fuera facil al igual que si teniamos alguna pregunta siempre estaba ahi para respoderla y sacarnos de duda. Lo recomiendo mucho si estas pensando en comprar una casa hace un buen trabajo.Posted on Saini GTrustindex verifies that the original source of the review is Google. Recomiendo altamente a Fernando Vicente . Desde el principio, el proceso de solicitud fue muy fácil y rápido. La información proporcionada fue clara y concisa, lo que nos ayudó a entender las condiciones del préstamo sin problemas. Fue muy atento y profesional, respondiendo a todas nuestras preguntas con rapidez y claridad. Muchas gracias por ayudarnos con la compra de nuestra casa.Posted on Mayra GonzalezTrustindex verifies that the original source of the review is Google. 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!Posted on Andrea LlamasTrustindex verifies that the original source of the review is Google. Fernando was very helpful and kind. He answered all our financial questions and guided us through every step. I highly recommend his service!Posted on Alejandro TorresTrustindex verifies that the original source of the review is Google. Fernando has processed 3 of my personal loans and I have taken several clients to his office. He is flexible and responsive.Posted on ShayCobie SilapanTrustindex verifies that the original source of the review is Google. 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 !!!!!Posted on Leandro RochaTrustindex verifies that the original source of the review is Google. 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!Verified by TrustindexTrustindex verified badge is the Universal Symbol of Trust. Only the greatest companies can get the verified badge who has a review score above 4.5, based on customer reviews over the past 12 months. 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
Posted on bellamar guerreroTrustindex verifies that the original source of the review is Google. 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!Posted on Tania GrijalvaTrustindex verifies that the original source of the review is Google. Cuando uno es primer comprador hay muchas preguntas y dudas y mucho estres pero Fernando nos ayudo a que el proceso fuera facil al igual que si teniamos alguna pregunta siempre estaba ahi para respoderla y sacarnos de duda. Lo recomiendo mucho si estas pensando en comprar una casa hace un buen trabajo.Posted on Saini GTrustindex verifies that the original source of the review is Google. Recomiendo altamente a Fernando Vicente . Desde el principio, el proceso de solicitud fue muy fácil y rápido. La información proporcionada fue clara y concisa, lo que nos ayudó a entender las condiciones del préstamo sin problemas. Fue muy atento y profesional, respondiendo a todas nuestras preguntas con rapidez y claridad. Muchas gracias por ayudarnos con la compra de nuestra casa.Posted on Mayra GonzalezTrustindex verifies that the original source of the review is Google. 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!Posted on Andrea LlamasTrustindex verifies that the original source of the review is Google. Fernando was very helpful and kind. He answered all our financial questions and guided us through every step. I highly recommend his service!Posted on Alejandro TorresTrustindex verifies that the original source of the review is Google. Fernando has processed 3 of my personal loans and I have taken several clients to his office. He is flexible and responsive.Posted on ShayCobie SilapanTrustindex verifies that the original source of the review is Google. 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 !!!!!Posted on Leandro RochaTrustindex verifies that the original source of the review is Google. 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!Verified by TrustindexTrustindex verified badge is the Universal Symbol of Trust. Only the greatest companies can get the verified badge who has a review score above 4.5, based on customer reviews over the past 12 months. Read more