For loan information or to apply, select a Loan Officer
Area Sales Manager
Thank you for choosing Bay Equity Home Loans. Our branch opened in Irvine, California with the idea of being the premier mortgage banker in Orange County. Bay Equity prides them-selves with providing value in service. The execution of the transaction between you the client, and us your banker should be seamless. We are here to provide you with a worry free transaction, and the most aggressive pricing we can find. Bay Equity is home to the 21 day close and we are here to get your purchase, or refinance done with ease.
Our goal is to exceed the needs of our clients and referral partners. Assisting our clientele with the 'American dream' of home ownership is of the utmost importance to Bay Equity. We also strive to make the transition from one home to another something of ease. With our referral partners we look to go above and beyond, while helping them grow their businesses and organizations.
As a company it's important that we give back. We actively support our community by sponsoring and donating to numerous events, non-profit organizations and charities. For us, it's all about our community and the people who live in it. We hope that by actively engaging and participating in our community that we can make a meaningful difference.
Irvine, CA 92618
“My name is Chris K and I just completed a refinance with Bay Equity and Jeff Cullen. I found this an incredibly efficient and professional experience and you should be proud to have Jeff as the face of the company. I have probably done 5 refinances over the years and this was by far the best run operation. No question went unanswered and no problem too tough to tackle. It goes without saying that Jeff/Bay Equity and I will be in touch on my future needs and I will be sure to tell my friends of the great work that he and your firm did.”
“Ron, it finally happened, I am a homeowner! I appreciate your resolve since the beginning. After I provided the first batch of documents, you said "Oh yeah, we can get you funded", and you certainly did! You continued to reassure me even when I had concerns. Thank you for your professionalism and your hard work behind the scenes. My family and I are excited, happy and thankful because we know it was close. Tell your manager I said he has a great loan officer who knows his stuff!”
“I feel very fortunate to have had the opportunity to work with Michael Tang. Michael assisted me with a very complex transaction. Our first attempt failed after we had both put in A LOT of hours. Michael did not give up and he monitored the market on a daily basis and several months later ultimately got my complex jumbo transaction in San Diego done. Michael will go above and beyond 99.99999% of mortgage professionals in the market. I look forward to working with him again. He is trustworthy, intelligent, creative and highly ethical.”
“It's been an absolute pleasure working with you, and I certainly look forward to recommending you to my clients... Your willingness to hustle was very much appreciated at every step along the way... It's truly a rarity to come across someone with your level of professionalism and dedication toward ensuring that the client's needs are met! Thank you again...”
“Thank you very much for your patience over the past several months with all my questions! Thank you for making this go smoothly and professional. I would highly recommend you and Bay Equity to others. Have a great summer!”
“I can only say that due to my situation I was rather doubtful a refi would be possible. After speaking with Jonathan, the first time, I felt there was a chance. Before I knew it, there it was, a new mortgage that I could handle and a certain piece of mind. A great comfort that was needed after losing my wife of 16 years, I can keep our home.”
“My clients continue to be impressed with Paul's high level of experience, integrity, and customer service. I never worry about passing the baton to Paul once I open an escrow so I can go work on the next deal. Paul is simply amazing and even helps me work my open houses!”
Mollie Eubanks, Ricci Realty
“Paul from the beginning worked hard on this loan. He was proactive in getting this loan done as quick as possible. His commitment to every detail prevailed, and Paul was always on top of any issues that came up. I am a Realtor and have worked with many loan officers and Paul proved to be the BEST that I have ever used. I will highly recommend him to others.”
Natalie Brandel, Ricci Realty
“Paul Moffitt provides exceptional service! I've had the pleasure of working with Paul personally and professionally. With every transaction, Paul is there to guide you through the process. He explores all options for each transaction, relates his findings and helps the client to select the option that is most beneficial to the client without regard for his own personal gain. I highly recommend his services.”
Diane Greenbaum, Freedom First Properties
“I want to thank you so much for your hard work and diligence in these two loans I applied for. It was a scary situation for me being the first time I apply as a single person. You made me feel very comfortable and no question I asked was a "dumb" question. Your demeanor is very easy going and you were always approachable and open to my suggestions and questions. I wish you well and will definitely recommend you to anyone looking for a home lone. ”
“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!”