Processing my refi loan with Bay Equity, by far, was a great experience. From day one Tim Moore was just an amazing guy and he knows his stuff better than any of the other Loan Company Officers I had spoken with. He started off by explaining the VA Refi process in plain language that I could understand. He walked me through the process every step of the way and was extremely patient with some of the challenges I faced, and had the knowledge/expertise to get me through. I had inquired with several other Loan companies about obtaining a refi and they all gave me mixed misinformation. They reel you in, promising you the world (so they can run your credit) in the beginning, then drift away dragging the process along. With Tim at Bay Equity the process was seamless and painless. If I ever had a question or concern he was right there to answer, whether by phone or email. It was great! He also educated me in detail on how the refi process works. This was very important as well. Patricia Phillips, the loan processor, was fantastic as well. She too was right there getting me through the underwriting process every step of the way. She responded to my questions quickly and worked tirelessly getting this loan done. I am so thankful/grateful to the people at Bay Equity and HIGHLY recommend them to anyone who wants to finance or refinance a home loan!!! read more

My daughter and I went to a free credit class hosted by Dave Horton. He did an amazing job explaining the ins and outs of obtaining and maintaining excellent credit. Before attending the class, I felt I had a good handle on maintaining good credit; I found out that I was unintentionally doing things that were lowering my credit score unnecessarily. Further, I thought I had been advising my daughter well with regard to credit. Sadly, I had led her astray. She is now well on the path to having excellent credit, and headed toward her dream of home ownership. I cannot recommend Dave Horton enough. He is extremely professional, non-judgmental, and an excellent educator. If you are looking to understand, improve, or learn to maintain excellent credit or looking to buy a home--now or in the future, David Horton is the only person I would feel completely confident referring my friends and loved ones. You can reach him at dhorton@bayeq.com or (949) 485-3389. Take his class, take your kids, and make your homeownership dreams come true with Dave! read more

Whatever you do DO NOT WORK W/ JOHAN MATUS! He's out of the Commerce, CA. office has lots of pretty awards lined up in his office but don't be fooled he is one of the most unprofessional brokers I've ever met. I should've known how things would go after he insinuated his shady business practices during our 1st meeting..... Basically, he sold us a dream and has completely wasted our time. He preapproved us for a loan before getting all of our documents finalized, told us it was ok to find a property then once we won the bid on a home and requested the necessary docs to close the deal his communication began to lack & the run around began. Ultimately Johan has caused us to loose out on a property that we never would have bid on to begin with if he hadn't told us we were ready. While purchasing your first home is not an easy task, working with this guy will make it all the worse. I am highly disappointed & dissatisfied and wouldn't refer anyone to him or this company for that matter. read more

I want to extend my appreciation to my broker, Mark Labender at Bay Equity. His team of professionals, including Michael J and Olivia T made refinancing my home a painless and problem-free process. To be honest, going via electronic versus visiting a bank, was a little intimidating at first. But after communicating with Mark, I felt confident so I went ahead and committed to Mark and Bay Equity. Mark was able to lock me in on the lowest rate available, then got me up and running to quickly complete the whole loan process. He provided realistic timelines, expectations, guidance, and quickly helped turnaround applications and all documentation necessary to complete my refinance through VA. All this was done at my convenience and not having to leave my house. I would recommend going this route and giving Mark Labender, Bay Equity, an opportunity to earn your business. I believe you will not be disappointed! Thank you again, Mark, Michael and Olivia! read more

I interviewed more than half a dozen brokers for our recent refinance. We chose Bay Equity because they seemed much more knowledgeable and professional than the others. We were very pleased with our Bay Equity experience. Everyone was very professional, competent, friendly, responsive and helpful. We worked with Jonathan Hallstead, Patricia Phillips and Lorie Rojas. All were outstanding. I am a retired corporate CFO and have been involved in many financing transactions. Jonathan was more knowledgeable and helpful than many of the corporate finance professionals I have worked with. Patti and Lorie were equally competent. They were easy to work with and did a very good job managing the process. I highly recommend Jonathan and his team to anyone financing or refinancing their home. read more

My experience with Bay Equity was amazing. I had been trying to refinance now for several months, I paid for two appraisals and was told that I did not qualify for the loan or never heard from the lender. Mark Labender was excellent and did not give me any false hopes. He make sure everything was in place before I was charged anything. He walked me through each step keeping me focused and encouraged. Mark keep in contact with me through phone calls and emails never letting me feel abandoned through the process. Robbie Torro who was also a part of the team working with me was awesome. I will without a doubt recommend Bay Equity especially Mark Labender to both my family and friends. Thank you for all your help and assistance in the processing of this great loan experience. read more

When we first contacted Tony Horvat at Bay Equity Home Loans it didn't look very promising to refi our existing conventional loan and so at that time Tony suggested we pursue a VA loan. We are in our eighties and that was the first time any loan officer had ever suggested a VA loan as we never knew that we even qualified for that type of loan. By taking advantage of the VA rate we were able to reduce our monthly payment $300. Tony is very professional and responsive in all phases of obtaining a loan. Over the course of time we have probably done 10-15 refi's and Tony is at the top of the list of any loan officers we have ever dealt with. 5 STARS PLUS in our book !! read more

Thank you Mark Labender ! Honesty, straightforwardness and solid business advice are always remembered and valued. I was looking at refinancing my house, shopping around multiple lenders. I connected with Mark, with Bay Equity, and after looking at different options for me, he offered me responsible and highly valued advice to stay with my current lender until some conditions have changed. Although I am not a client, he took the time to educate, explain and offer a sensible plan of action that's best for me right now. I did not receive this same stellar experience with the other potential lenders. I highly recommend Mark and Bay Equity. read more

Thank you, Raj Krishan, for all your help during our refinance! This process was long and stressful, however, at no fault to Raj or Bay Equity. It was really just the perfect storm. Raj was always friendly, responded to us via e-mail or phone quickly, and helped us through whatever hurdles presented itself very professionally. Raj and Bay Equity went above and beyond in many situations and we can't thank them enough for their efforts while working with us. We appreciate your dedication and fantastic customer service and will recommend you to anyone looking for a home loan. Thank you again! read more

Tim Moore led my husband and I through the refinancing of our home with such ease and was able to secure a loan that was a perfect fit for our situation. Tim was very personable and professional. He was always available, had answers to all my questions. Knowledgeable and very upfront. Was there every step of the way. Lots of great advice. We will be calling on Tim down the road for our next refi and will be recommending him to all our friends and family! Thanks Tim, Patricia and the Bay Equity team! read more

We recently refinanced our home. We chose Bay Equity Home Loans because they were quick to respond, gave us the best rates and reached out to understand our situation. Tony Horvat at Bay Equity Home Loans was our loan officer. He found the perfect lender at a very good rate and followed through everyday to make sure our closing went smoothly and quickly. I highly recommend Bay Equity Home Loans and especially Tony if you have a special situation that needs expert assistance. Diana G. read more

The professional and knowledgeable handling of our home loan refinancing by Dave Horton of Bay Equity deserves to be acknowledged. Dave was always responsive to our questions and personally came to our home to be sure we understood every one of the pile of documents requiring our signatures. I am pleased to recommend Dave to anyone looking for a home loan. He also hosts seminars explaining credit scores and how to improve them in order to qualify for a loan. read more

Tony and his team at Bay Equity provide top notch service and exhibited professionalism every step of the way. My case was a bit problematic because I had done a loan modification a few years back and it was a real curve-ball for Tony. He didn't miss a beat. He maintained his professionalism and good nature and moved ahead with confidence to get us a great rate and good deal on our Re-Fi. I highly recommend Bay Equity, and specifically, Tony Horvat. read more

Bay Equity Home Loans were great. Mark Malmberg and his team were awesome, I have to say I was very skeptical when I first talked with Mark but as we talked and he assured me that I would be happy with the service, he was right I was very happy with the service and with Mark and the wonderful people at Bay Equity Home Loans. If you need a Home Loan or Refinance you really need to talk with Mark. A Very Happy Customer Named Bob read more

Many thanks to Jonathan Hallstead and his team at Bay Equity Home Loans for getting my wife and I a great refinance rate and some cash back consolidate some debt and perform a few home improvement projects. He and his team were very professional, knowledgable, accomodating and far exceeded our expectations. It was without a boubt the best loan experience we ever have had!!! We will definately be refering our family and friends to them!!! read more

I recently had the pleasure of working with Mark Malmberg for my home purchase and couldn't be happier with their service. From start to finish, their team made the mortgage process seamless and stress-free. What stood out the most was his clear and timely communication. Mark was always available to answer any questions I had and provided regular updates throughout the process. Would highly recommend! read more

Mark Malmberg was absolutely amazing. Very knowledgeable , professional and responsive. He was available all of the time to answer any questions I had and made the buying process fun and I would highly recommend him to all of my friends and family . If you want the loan approved call Mark. If you want smooth closing call Mark . If you are buying new home call MARK!!!!! read more

I was looking to refinance my home and I was shut down by others I was told I did not have good credit and I did not have enough equity in my home. Tony Hobart from Bay Equity Home loans contacted me and they got the job done. If others have told you no, you should contact Tony or Bay Equity because if they can not give you a new mortgage at a great rate, no one can. read more

What can I say. We did not have the easiest of transactions, but Joe Stollings guided us professionally throughout the entire process and helped us close on a not so easy mortgage loan. He was always in contact and made sure we received the best possible product and pricing. My family and I are thankful to Joe Stollings and his team at Bay Equity! read more