Fernando Vicente
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.
I understand that buying a home is one of life’s most meaningful milestones, and my mission is to make that journey as clear, stress-free, and rewarding as possible. I take the time to listen to each client’s goals and financial picture, then craft mortgage solutions that fit their unique needs — whether it’s a first home, a move-up purchase, or an investment property.
Through years of collaboration with local real estate professionals, I’ve built a strong network dedicated to helping clients succeed. I take pride in offering transparent communication, competitive loan options, and genuine guidance every step of the way.
Whether you’re ready to get pre-qualified today or simply exploring your next move, I’m here to ensure you feel confident, informed, and supported throughout the process.
Fernando Vicente
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.
I understand that buying a home is one of life’s most meaningful milestones, and my mission is to make that journey as clear, stress-free, and rewarding as possible. I take the time to listen to each client’s goals and financial picture, then craft mortgage solutions that fit their unique needs — whether it’s a first home, a move-up purchase, or an investment property.
Through years of collaboration with local real estate professionals, I’ve built a strong network dedicated to helping clients succeed. I take pride in offering transparent communication, competitive loan options, and genuine guidance every step of the way.
Whether you’re ready to get pre-qualified today or simply exploring your next move, I’m here to ensure you feel confident, informed, and supported throughout the process.
Fernando Vicente
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.
I understand that buying a home is one of life’s most meaningful milestones, and my mission is to make that journey as clear, stress-free, and rewarding as possible. I take the time to listen to each client’s goals and financial picture, then craft mortgage solutions that fit their unique needs — whether it’s a first home, a move-up purchase, or an investment property.
Through years of collaboration with local real estate professionals, I’ve built a strong network dedicated to helping clients succeed. I take pride in offering transparent communication, competitive loan options, and genuine guidance every step of the way.
Whether you’re ready to get pre-qualified today or simply exploring your next move, I’m here to ensure you feel confident, informed, and supported throughout the process.
Outstanding Communication
We keep you informed and return all emails and calls promptly so that you never have to wonder what is going on with your loan.
Professional
Support
Count on us to be there with you and to help you navigate the entire mortgage process. We’ll help you cut through the red tape and avoid the common mistakes people make.
Competitive
Low Rates
We work with you to find the right program and secure low market rates to make sure you are paying the lowest payment each month.
Close Your Loan On Time
Not all lenders can close quickly or on time. We work closely with you through the process to meet all deadlines and make sure that your loan closes on time.
Please choose from our simple questionnaires below so we can get an idea of how to help you get the best possible loan.
I'm Looking To
Outstanding Communication
We keep you informed and return all emails and calls promptly so that you never have to wonder what is going on with your loan.
Professional
Support
Count on us to be there with you and to help you navigate the entire mortgage process. We’ll help you cut through the red tape and avoid the common mistakes people make.
Competitive
Low Rates
We work with you to find the right program and secure low market rates to make sure you are paying the lowest payment each month.
Close Your Loan On Time
Not all lenders can close quickly or on time. We work closely with you through the process to meet all deadlines and make sure that your loan closes on time.
Please choose from our simple questionnaires below so we can get an idea of how to help you get the best possible loan.
I'm Looking To
Outstanding Communication
We keep you informed and return all emails and calls promptly so that you never have to wonder what is going on with your loan.
Professional
Support
Count on us to be there with you and to help you navigate the entire mortgage process. We’ll help you cut through the red tape and avoid the common mistakes people make.
Competitive
Low Rates
We work with you to find the right program and secure low market rates to make sure you are paying the lowest payment each month.
Close Your Loan On Time
Not all lenders can close quickly or on time. We work closely with you through the process to meet all deadlines and make sure that your loan closes on time.
Please choose from our simple questionnaires below so we can get an idea of how to help you get the best possible loan.
I'm Looking To
