San Ramon, CA

Let’s talk! Contact me now




Let’s talk! Contact me now




925-766-6129
Chris Baird

NMLS ID#249787
Phone: 925-766-6129
E-mail: cbaird@bayeq.com

San Ramon Branch
2355 San Ramon Valley Blvd, Suite 204
San Ramon, CA 94583

Chris Baird

Area Sales Manager

Chris Baird has over 30 years of experience in mortgage lending and finance, spending time in both sales and operations. Not only has Chris managed teams and trained several individuals, she has kept up a consistent stream of clients and business referral partners that rely on her for all of their mortgage lending needs. Her overall industry knowledge & respected customer service experiences have proven her ability to be an award winning mortgage lending professional.

Chris takes great pride in her extensive knowledge of the mortgage lending process and has the ability to implement changes when needed. Whether buying or refinancing, Chris will work with you from beginning to end and maintain relationships that will last even after the loan process has ended.

She has a passion for helping her clients solve their financing matters in a challenging and constantly changing market. Current and future borrowers need professionals like her in the industry to keep up with the changes and to have the right experience and knowledge to find them the right programs to fit their needs. She works hard and has a team spirit attitude that brings it all together.

First Time Home Buyers

Now is the best time for it to buy your first home, and Bay Equity is ready to help put you in the right path to your new front door!

As you start your career or begin a life with your family, buying a home can be one of the smartest and most unique experiences of your life. A home could be the best investment you ever make. There are tremendous tax advantages and being able to call your home “your home” is a great feeling. Having the right Lender guide you through the process can make the difference between success and failure in buying your first home.

Loan Pre-Qualification Process

  • Complete the online application process.
  • Sign the credit authorization form.
  • Current pay stub covering the most recent full month.
  • W-2 forms and/or 1099's for the past two years.
  • Signed Federal Tax returns - Past two years. (all schedules)
  • Bank statements for two months. (all accounts/pages)
  • Copy of driver's license.
  • Copy of Social Security card.

925-766-6129

Let’s talk! Contact me now




925-766-6129

“My fiance and I were first time home buyers, therefore, it was important for us to find lenders that we could trust since we didn't have prior experience purchasing a home. For this reason, we are so content that we were able to work with Peter and Chris Baird, since they were experienced for 20+ years and know all about the first time buyer FHA program. Also, both Peter and Chris were highly recommended through our trusted Real Estate Agent, Liana Shapiro. Peter, Chris, my fiance, and our Agent met and from there, we hit the ground running fast. They made sure to explain every detail for the paperwork we had to fill out and went through the escrow process efficiently (only 21 days)! Furthermore, Peter made sure to look out for our best interests by assuring that we were able to receive a $5,000 credit due to the interest rate changes that happened from the beginning until the end of escrow. I'm sure other lenders wouldn't have caught that extra credit that we were entitled to based on the market changes that had happened during the process. This initially helped us financially, since we had to pay for a sewer lateral compliance issue that ended up costing us $5,100 out of pocket before closing escrow. We were very pleased with this outcome and we must say that Peter and Chris were exceptionally professional mortgage agents and we had the pleasure of working with them. They both kept in close contact throughout the transaction, which gave us a peace of mind at the end of the day. Peter also made sure to attend the final signing in order to make sure the transaction closed smoothly. My fiance and I give high regards to Peter and Chris Baird and would highly recommend this team to anyone who is looking for honest, efficient, and knowledgeable mortgage professionals.”

Krista M.

“We recently bought our home this month with Bay Equity as our loan company. And all throughout our home buying period, we never experienced any problems with Bay Equity. They were actually outstanding! Great customer service, really fast turnaround time, very professional people! They delivered as promised. They actually exceeded our expectations. THANKS, BAY EQUITY!”

Melissa L.