Patrick was amazing to talk to when the house buying project can be so daunting. He was extremely helpful...

Brianna Mahoney - Social Survey

Patrick Ritchie

Loan Officer

NMLS ID# 276438

430 West Warner Road
Suite 114
Tempe, AZ 85284

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.

I have been helping families with mortgages in the Valley since 2001 when I moved to Arizona for the beautiful weather. I am always willing to answer questions and discuss scenarios to help people understand the process and achieve their goals.

Education is very important to me, I pay it forward to the industry by teaching continuing education classes to the real estate industry and I wrote the book The Credit Road Map, a book about the inner-workings of credit and FICO Scores. For over a decade I was a guest finance lecturer for the Ohio State University Fisher College of Business and Arizona State University W.P. Carey School of Business, so no question is too big or small, reach out to me anytime I can help. I am a graduate of Arizona State University Sandra Day-O’Connor College of Law and the Ohio State University Fisher College of Business.

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 call or text me when it is convenient for you or apply on-line and I will be notified to start working on your file and reach out to follow up with you, or contact me to set up an appointment. Either way you will get my immediate and personal attention.

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.

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.

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