Why 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.

Fernando Vicente - Bay Equity Lending Loan SpecialistWith 5 years of experience helping new and current homeowners meet their financing goals. Fernando works closely with his clients to achieve the best results for their loan journey.

Honest, dedicated and resourceful, Fernando has positioned Bay Equity Lending as one of the most trustworthy and effective Home Loan companys serving our local community and surroundings.

You’ve heard the horror stories…how hard it is to qualify, the mounds of paperwork you have to provide, the difficulties and delays. Not to mention the fighting, shopping, and haggling to get a good rate.

I’ve got great news… I’m here to solve all of that for you. Check out the reviews from other folks just like you that I’ve worked with and see how I can make the process easier.
Whether you need a mortgage to buy a home, or are looking to refinance for a better rate or some cash out of your property, I can help.

I look forward to hearing from you.

Call Fernando:  831-234-0336
[email protected]

Why 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.

Fernando Vicente - Bay Equity Lending Loan SpecialistWith 5 years of experience helping new and current homeowners meet their financing goals. Fernando works closely with his clients to achieve the best results for their loan journey.

Honest, dedicated and resourceful, Fernando has positioned Bay Equity Lending as one of the most trustworthy and effective Home Loan companys serving our local community and surroundings.

You’ve heard the horror stories…how hard it is to qualify, the mounds of paperwork you have to provide, the difficulties and delays. Not to mention the fighting, shopping, and haggling to get a good rate.

I’ve got great news… I’m here to solve all of that for you. Check out the reviews from other folks just like you that I’ve worked with and see how I can make the process easier.
Whether you need a mortgage to buy a home, or are looking to refinance for a better rate or some cash out of your property, I can help.

I look forward to hearing from you.

Call Fernando:  831-234-0336
[email protected]

Why 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.

Fernando Vicente - Bay Equity Lending Loan SpecialistWith 5 years of experience helping new and current homeowners meet their financing goals. Fernando works closely with his clients to achieve the best results for their loan journey.

Honest, dedicated and resourceful, Fernando has positioned Bay Equity Lending as one of the most trustworthy and effective Home Loan companys serving our local community and surroundings.

You’ve heard the horror stories…how hard it is to qualify, the mounds of paperwork you have to provide, the difficulties and delays. Not to mention the fighting, shopping, and haggling to get a good rate.

I’ve got great news… I’m here to solve all of that for you. Check out the reviews from other folks just like you that I’ve worked with and see how I can make the process easier.
Whether you need a mortgage to buy a home, or are looking to refinance for a better rate or some cash out of your property, I can help.

I look forward to hearing from you.

Call Fernando:  831-234-0336
[email protected]

Fernando Vicente - Bay Equity Lending Loan SpecialistWith 5 years of experience helping new and current homeowners meet their financing goals. Fernando works closely with his clients to achieve the best results for their loan journey.

Honest, dedicated and resourceful, Fernando has positioned Bay Equity Lending as one of the most trustworthy and effective Home Loan companys serving our local community and surroundings.

You’ve heard the horror stories…how hard it is to qualify, the mounds of paperwork you have to provide, the difficulties and delays. Not to mention the fighting, shopping, and haggling to get a good rate.

I’ve got great news… I’m here to solve all of that for you. Check out the reviews from other folks just like you that I’ve worked with and see how I can make the process easier.
Whether you need a mortgage to buy a home, or are looking to refinance for a better rate or some cash out of your property, I can help.

I look forward to hearing from you.

Call Fernando:  831-234-0336
[email protected]

Fernando Vicente - Bay Equity Lending Loan SpecialistWith 5 years of experience helping new and current homeowners meet their financing goals. Fernando works closely with his clients to achieve the best results for their loan journey.

Honest, dedicated and resourceful, Fernando has positioned Bay Equity Lending as one of the most trustworthy and effective Home Loan companys serving our local community and surroundings.

You’ve heard the horror stories…how hard it is to qualify, the mounds of paperwork you have to provide, the difficulties and delays. Not to mention the fighting, shopping, and haggling to get a good rate.

I’ve got great news… I’m here to solve all of that for you. Check out the reviews from other folks just like you that I’ve worked with and see how I can make the process easier.
Whether you need a mortgage to buy a home, or are looking to refinance for a better rate or some cash out of your property, I can help.

I look forward to hearing from you.

Call Fernando:  831-234-0336
[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

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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Find Us on Social Media

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

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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Find Us on Social Media

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

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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Find Us on Social Media

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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