Los Gatos, CA

Let’s talk! Contact me now

Let’s talk! Contact me now


NMLS ID#297501
Phone: 408-209-5631
E-mail: jcarpeneti@bayeq.com

Los Gatos Branch
16795 Lark Avenue, Suite 101
Los Gatos, CA 95032

Jim Carpeneti

Senior Loan Officer

Thanks for visiting my web site.

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

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

Whether you are buying or refinancing, buying your first home or building your dream home, I can explore with you the many options for financing.

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.


“I just closed on a condo and the loan process went really smooth. Jim Carpeneti & his team were professional, efficient, and responsive. They identified potential problems and took care of them before they became issues that could delay closing. If that wasn't enough, there were a couple things that really made Jim stand out: 1) He made himself available at all times; I never had to wait more than a few minutes for a response to an email, text, or voice message. 2) Buying property isn't something most people do every day; there were a couple things I didn't know or think about before buying this property. Jim never pressured me just to make the sell. Instead, he walked me through the process, gave me options, and made sure I understood and was comfortable with everything before proceeding. I would definitely do business with Jim again and I will be recommending him and his team to all my friends and family.”

Adam & Diane V.

“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.