Irvine, CA

Let’s talk! Contact me now

Let’s talk! Contact me now

David Horton

NMLS ID#268540
Phone: 949-485-3389
Mobile: 949-422-5220
Fax: 949-258-5952

Irvine Branch
84 Discovery
Irvine, CA 92618

David Horton

Sales Manager

Since I was first trained as a loan officer in 1979 for the mortgage industry I often look back to reflect on the wonderful people and home owners I have worked with, met and helped provide mortgage financing for. It is my pleasure to continue to produce loans and work with home buyers and home owners needing mortgage financing. Many of these customers are referred to me from real estate agents that have trusted me and Bay Equity to provide the quality service needed. Additional referral sources include builders, tax advisers, attorneys, financial planners and past customers. Bay Equity is a California based, family owned direct lender approved with FHLMC, FNMA, GNMA (conventional, FHA and VA loans) and other institutional vendors.

Whether it was my first home loan closing for a home buyer (about $73,000 in 1979) or a loan of $2,600,000 in the recent few years it is never about the numbers but the people I have worked with over the years. I was told initially when I was entering the business being detailed in your work is only part of the job. Understanding how to qualify borrowers by reviewing documentation carefully is vital to my job but most important is communicating consistently to each borrower, agent and others involved in a transaction. Communicating means being available when needed. Answering the phone and following up is what my team does. 

Recently I have become affiliated with Loans To Heroes. This is a program that as a lender we give back to our veterans with reduced closing costs. Working with the military personnel providing VA loans has been inspiring throughout my career. Teachers, police, fire fighters and medical professionals are also eligible for the Loans To Heroes benefits. 

In 1983 I accepted my first managing position in the mortgage industry. Hiring and training loan officers with one goal in mind has been enjoyable and rewarding. That goal was to help our newest loan officers achieve the proper training and mentoring I could provide on a daily basis. This continues as well today.

Since 1979 I have had the pleasure of working closely with real estate agents and other referral sources. Developing a lasting relationship built on trust, performance and integrity has helped me build my business. 

Finally, my team at Bay Equity has over 100 years combined lending experience and we look forward to helping you on your next transaction. We strive to turn loans around quickly and efficiently so the home buyer can enjoy the benefits of home ownership sooner.


Let’s talk! Contact me now


“I've known Dave Horton for about 11 years. He previously helped me with a home loan and a couple of refinances, and most recently helped me with a home loan through Bay Equity. When I started thinking about getting a new home loan I immediately thought of Dave, but I did not know where he was currently working, so I did some digging and found him on the internet on Bay Equity's website. I was so happy because I had worked with him before and knew that he was very good. When I contacted Dave, he was helpful in dealing with my individual circumstances and worked with me every step of the way to obtain my new loan. When we started the application, Dave informed me about the down payment assistance programs that are available and it turned out that we qualified for one which made this loan possible for me and my family. I had not heard of these programs before, but thanks to Dave, who is so helpful and with his years of experience, made this loan a reality for us at a time when we needed all the help we could get. Dave has always been very professional and makes himself available to his clients at all times, and most importantly, you can take him at his word. I cannot thank Dave and Bay Equity enough for making this new loan work for us, it truly was a miracle. I will definitely refer Dave and Bay Equity to my friends and family!”

Ann Bird

“I have had the privilege to work with Dave Horton, Branch Manager at Bay Equity Home Loans, with a number of my Buyer Clients. He is available 7 days a week to provide advice and assistance as needed. Dave is always professional and creative, looking at multiple loan alternatives to find the best solution for their mortgage. Because of his knowledge, many of my clients have referred their friends and family to him. <br> <br> One of Dave’s strengths is his communication skills. When my buyers submit an offer on a property, Dave contacts the listing agent to vouch for them as a solid buyer. His willingness to go the extra mile has resulted in acceptance of many buyers’ offers. Once the offer is accepted, he communicates with the buyers and the seller’s agent throughout the entire escrow. These regular updates on the status of the loan approval process minimizes the stress and improves the attitude of all involved throughout the entire escrow process! This process can be quite stressful. His effort to ensure quality communication is priceless. <br><br> Dave Horton is a trusted lender. With so many choices in the industry, the quality of his service sets him apart from the rest! I highly recommend Dave Horton to all of my clients!”

Kathy Wood

“Earlier this month my husband and I closed escrow on a refinance of our home mortgage. The mortgage process was handled from start to finish by Dave Horton of Bay Equity. Dave either answered our calls or returned them promptly. He took care to explain each step in the loan application process and be sure we understood each document presented.<br><br>I feel quite confident to recommend Dave Horton to anyone seeking a new home loan or refi. He delivered what he promised, a new loan at a lower rate that saves us almost $400 each month in our mortgage payment.”

Marie A. Tucker