Bay Equity is a Direct Lender in California, Arizona, Washington and Oregon. We offer the lowest rates and fastest closings in the Industry. As a direct lender our Clients benefit from a large selection of purchase, refinance and Government loan options. Our long list of banking partners include, Bank of America, Citi, Wells Fargo, Everbank, Flagstar, Sterns/FPF, Sierra Pacific, US Bank,and Franklin American.

When you decide to buy a home or refinance a mortgage, it's a big step. You can trust us to find the loan program that's best for you.

Buying a new home is a source of anxiety, frustration -- and a huge sense of accomplishment. You didn't pick the house that was best for someone else, you picked the one that's right for you! Trust our professionals to find the mortgage loan that best fits your needs, too. "Less paperwork and more personal attention" means you enter a frustration-free zone from application to decision. Getting the right mortgage loan is like getting the keys to your new house! We can help you get there.

Refinancing your current mortgage has never been easier. If you thought refinancing meant getting buried under mountains of paperwork, think again! We make it easy and worry-free to reduce your interest rate and monthly payment. We can even help you pay down your balance more quickly for comparable monthly payment. Let our professionals guide you to the very best refinanced loan!