Bay Equity Home Loans - Your Home For Loans

Government Home Loans are Easier than You Think

Bay Equity is a fully delegated direct lender of FHA and VA loans. We don’t broker the loans to other banks saving you time and money because we are the lender. These loans offer qualifying borrowers more flexibility in underwriting than traditional conventional loan financing. FHA & VA loans are great for First Time Homebuyers too!

FHA Loan Highlights:

Extremely Low Rates

Fixed for 30 Years

No Prepayment Penalty

FICO's Down to 620

Loan to Value (LTV) up to 96.5%

Gift Funds Allowed

VA Loan Highlights:

Maximum seller contributions may exceed 6%

100% gift funds allowed

90% LTV cash out refinances

No minimum reserve requirements

Citizenship is not required

Veteran can use entitlement many times

Not limited to first time homebuyers

Fixed rate assumable loan

Reservists qualify for VA benefits

Quick closings

No down payment required in many Counties (speak with a Representative for details)

Underwritten at Bay Equity, not at the investor

	A learning center for borrowers where class is always in session.

	About Us Our exceptional reputation for the highest professional standards is built on honesty and integrity.

	FHA & VA Loans Bay Equity is a fully delegated direct lender of FHA and VA loans.

	Have a Mortgage Banker Call Me We have Mortgage Bankers standing by to answer your questions. Have an experienced professional call you now.

	We are FAST! Speed: We can close a deal from start to finish in less than 15 days*.

	Multistate Licensing Bay Equity is licensed in California, New Mexico, Arizona, Washington, Oregon, Montana and Hawaii.

Licensing and Registration

Bay Equity LLC is an Equal Housing Lender.

Bay Equity LLC originates and operates as a wholesale lender in the following states under the licenses listed below: Arizona: Bay Equity LLC dba Bay Equity Home Loans Mortgage Banker License #0910340; California: Bay Equity Home Loans, Covenant Mortgage, dba Bay Equity LLC. Loans will be made or arranged pursuant to Department of Corporations California Finance Lenders Law license #605-3919; Florida; Bay Equity LLC dba Bay Equity Home Loans, Florida Mortgage Lender License #100000075; New Mexico: Bay Equity LLC dba Bay Equity Home Loans, Lender License #76988; Oregon: Bay Equity LLC dba Bay Equity Home Loans Mortgage Lender License #4845; Washington: Bay Equity LLC dba Bay Equity Home Loans, , Consumer Loan License #520-CL-52086; NMLS ID#76988. Bay Equity LLC does not conduct origination but does operate as a wholesale lender under the following licenses/exemptions: Colorado; Bay Equity LLC dba Bay Equity Home Loans, Colorado Mortgage Company Registration; Idaho Secretary of State Registration #W88771; Nevada Wholesale Exemption, Secretary of State Registration #E0622802007-9; Texas: Bay Equity LLC dba Bay Equity Home Loans Texas SML Mortgage Banker Registration; Utah Secretary of State Registration #6723379-0161.

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