Intelligent Mortgage Design...Makes All The Difference.

Ed Quinby & Toby Tollack

NMLS ID# 223545NMLS ID# 226922

Choosing the right Mortgage professional means more than simply finding the lowest quote on a 30-year fixed program.  With the housing and mortgage markets constantly changing, receiving the right guidance through education and custom strategic planning from an advisor you can trust is paramount to ensuring you have the most efficient mortgage plan designed for you and your family. It isn’t every day you purchase a home or refinance so ensuring it is done right the first time is essential to the well-being of your finances.

Ed Quinby and Toby Tollack have built a team dedicated to assisting Homeowners for over 18 years. As Senior Loan Officers Bay Equity Home Loans, Ed and Toby have been recognized year after year for leading achievements in the lending industry as top producers in their field.

Ed and Toby have been recognized in the TOP 1% of Mortgage Originators Nationwide (Source: Mortgage Executive Magazine 2012-2017.)

Their philosophy and goal is to present you with the best mortgage options available for your personal situation. They specialize in all aspects of Residential Lending including purchases, refinancing, govt- FHA/VA, jumbo, investment, portfolio lending, etc. 

With their extensive knowledge and experience of the industry, guidelines and loan programs and their personalized attention to detail, Ed and Toby have grown their business and team significantly. Their reputation is built on first class personalized service,  providing  the most competitive rates and pricing while also offering creative solutions to complex loan structures. Additionally, they’re able to broker to over 50 mortgage lenders which gives them a unique ability to give you many niche financing options. Developing trust with their clients is how they earn their business. Communication, great service and guaranteed on-time closings is why their clients keep coming back!

Everyone on their team (all in-house) from the processors to underwriters –have the same focus, on-time and accurate closings on a loan product that is just right for you.

Bay Equity Home Loans is a full-service retail direct mortgage lending institution founded and headquartered in the heart of San Francisco’s Financial District. In 2011 and 2012, San Francisco Business Times named Bay Equity among its "Top 100 Fastest-Growing Private Companies" in the Bay Area. Bay Equity also has operations centers in Concord, CA; Corona, CA; Lake Forest, CA; Portland, OR; Tacoma, WA and Everett, WA along with 64 retail branch offices on the West Coast.


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.

Talk to one of our loan officers to get an official figure. We’re 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.