Chris spent hours with me trying to help me understand how it works and made me feel that he really cares about my concerns

Jae H - Buyer

Chris Rocco

Branch Manager

NMLS ID# 666462

4980 North Harbor Dr.
Suite 203
San Diego, CA 92106

I have created a branch of professionals with my business partner, Todd Stuyk, and it is our commitment to spend time with you to help you review and choose the ideal loan for your unique financial situation. As your premier mortgage experts in California, we offer competitive rates plus cutting-edge technology to give you an efficient, secure, and quality mortgage experience.

Whether you are a first-time buyer, purchasing a larger home, downsizing your home, buying an investment property, or refinancing your current property, your mortgage loan is one of the most important decisions you will make! We will give you the dedication needed to make the best decision possible.

VA Loans | FHA Loans | Conventional Home Purchase Loans | Jumbo Loans | Reverse Mortgages

In House Portfolio Loans | FHA 203K Loans | Foreign National Loans | Non Warrantable Condos


Home-buying by numbers


Your monthly mortgage
Estimate includes principal and interest only. It does not include taxes and insurance. Talk to a loan officer for specific calculations.


What’s your monthly payment?

Estimate your monthly mortgage with this home loan calculator. Just remember, your results are only estimates.

Contact me and I can get you an official figure. I’m here to help.

Built on family and forward-thinking

Bay Equity is family owned and operated. This video is about our start and our technology-driven relationship with Microsoft.