Stockton, CA

Let’s talk! Contact me now

Let’s talk! Contact me now

Gene Avakian

NMLS ID#249478
Phone: 209-688-5656
Fax: 209-992-4139

Stockton Branch
3461 Brookside Road #D
Stockton, CA 95219

Gene Avakian

Branch Manager

Integrity is the cornerstone of my business. I believe a mortgage should be about building relationships and helping my customers achieve their home financing goals, not just a transaction. As a Bay Equity Home Loans Mortgage Banker, I take a consultative approach to the home loan process by customizing each home financing solution to help customers achieve their home financial goals. Many loan officers can get you a loan, my mission is to get you the right loan. During my many years in the mortgage industry, I have shared my expertise to personally assist thousands of families with responsible and affordable home financing.

I have an extensive background assisting first time homebuyers, buyers moving up or looking for an Investment Property as well as high net worth borrowers and self-employed borrowers. I also have a great deal of experience in:

Conventional loans
Government loans (FHA, VA, USDA) 
Investment property lending
Non-conventional “Jumbo” lending

Call or email me today and let’s get started on achieving your home financing goals!

Reviews on Zillow
"Gene is extremely organized, knowledgeable, truthful and patient. He will make your loan process a smooth process- he has a strong work ethic, and is ... more "
by lodiplumber
"Great, friendly and efficient service. He answers all of your questions in a timely manner. He is very knowledgeable and pleasant to deal with. I ... more "
by slucero612
Gavakian on Zillow

Let’s talk! Contact me now


“As a first time home buyer, I was new to the process. Gene walked me through all the steps in advance, from getting pre qualified to closing. I felt really comfortable knowing what to expect. Everything went so smoothly and he was just fantastic to work with. I would definitely work with him again. I'm now an owner of an awesome ski cabin. Check!”

Bob F.

“I have had numerous mortgages - both purchase and refi and I was not looking forward to another. However, Gene Avakian completely re-wrote the book with respect to: Knowledge, courteous, efficiency and overall management of the process from end-to-end. Customer for LIFE. ”

Andy M.

“Gene, Deanna and staff at Bay Equity are AWESOME! G&D have been doing my loans for over 12 years. I have come to them through my many ups n' downs of my "credit" life and they have ALWAYS steered me right. They have been empathetic and educating through EVERY transaction... they have always put MY best interest ahead of their own personal gains to ensure I was doing the right thing at the right time. I have referred many friends and family members to them and they too have been taken care of as well. Gene and Deanna will have my business for life!”

Margo A.

“Gene Avakian with Bay Equity was absolutely amazing. I had a short sale a few years back after the death of my husband. I wasn't sure if I was going to be able to buy another home. Not only did Gene make it happen, but he made it a quick and painless process. He had me approved promptly and was very helpful with questions. There were no unwanted surprises, and communication was upfront and I knew exactly what to expect. Thanks to Gene and his team for making my dream come true! I now have a new chapter in my life in front of me, and I'm so excited about moving forward and enjoying my new home.”

Gayle F.

“I bought my home in Lodi a few months ago, and I can give all the thanks to Gene Avakian for this, at the beginning of the loan process I chose a different lender... they made a real mess for me and eventually we had to extend the closing date, it was terrible and I almost lost the house I wanted to buy. So I hired Gene at Bay Equity Home Loans in Stockton, he was very positive in getting the loan through.”

Ralph E.

“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.