Clay Chadima

Senior Loan Officer

NMLS ID# 256800

(858) 764-5485
4909 Murphy Canyon Road
Suite 510
San Diego, CA 92123

Thanks for visiting my web site.

As a home financing specialist at Bay Equity, I am dedicated to helping you with all of your home mortgage needs.

The housing and mortgage markets are constantly changing, and I can help you navigate the many options to find the right loan for you and your family.

Whether you are buying your first hoe, moving up to your dream home, retiring with a reverse mortgage, or refinancing, I can explore with you the many options that are available.

You are invited to apply on-line, or contact me to set up an appointment. Either way you will get my immediate and personal attention.


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.