"Very professional, calm, knowledgeable and reassuring to us during the whole transaction!"


Naomi | Carlsbad, CA


Omar Michel

Senior Loan Officer

NMLS ID# 398944

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.

Upcoming events


The Keys to Homeownership: REALTOR® Event

The Keys to Homeownership: REALTOR® Event

When: 5/30/2019 12:00PM - 4:00PM

Where: Green Dragon Tavern | 6115 Paseo Del Norte | Carlsbad, CA 92011

Join us for free food & drinks, networking, amazing guest speakers, and more!

SEATING IS LIMITED! REGISTER TODAY!
The Keys to Homeownership: REALTOR® Event

The Keys to Homeownership: REALTOR® Event

When: 5/31/2019 12:00PM - 4:00PM

Where: Stone Brewing World Bistro & Gardens | 2816 Historic Decatur Rd. | San Diego, CA 92106

Join us for free food & drinks, networking, amazing guest speakers, and more!

SEATING IS LIMITED! REGISTER TODAY!
The Keys to Homeownership: Home Buyer Event

The Keys to Homeownership: Home Buyer Event

When: 6/1/2019 9:00AM - 1:00PM

Where: Stone Brewing World Bistro & Gardens | 2816 Historic Decatur Rd. | San Diego, CA 92106

Join us for a FREE, FAMILY FRIENDLY EVENT! Free breakfast, games for the kids, and valuable information about buying a home in our current market.

SEATING IS LIMITED! REGISTER TODAY!
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Home-buying by numbers

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Your monthly mortgage
Estimate includes principal and interest only. It does not include taxes and insurance. Talk to a loan officer for specific calculations.

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Estimate your monthly mortgage with this home loan calculator. Just remember, your results are only estimates.

Contact me and I can get you an official figure. I’m here to help.

Built on family and forward-thinking


Meet Bay Equity Del Mar!

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