Salinas, CA

Let’s talk! Contact me now

Let’s talk! Contact me now

Ramon Hernandez

NMLS ID#347404
Phone: 831-261-7275

Salinas Branch
1188 Padre Drive, Suite 105
Salinas, CA 93901

Ramon Hernandez

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.


Let’s talk! Contact me now


“I just wanted to send you a quick note to thank you for the great service you provided. From the beginning I felt like were in good hands with the quality of support I received from you. My family and I would like to extend our sincere thank you for all of your help during the loan process. Your hard work and dedication to our loan paid off and we were able to get us into our new home. We will definitely refer anyone I know who is in need of a home loan to you. I've already given your name to two other people that are looking to purchase. I know that you will take care of them as well as you did for us.”

Yessenia B. & Ivn V.

“We are very grateful for having Bay Equity in helping us with our home loan. The process was very fast. Ramon and his associates were very friendly. Thank you! Bay Equity for helping to make our dream come true!”

Miguel C. & Alejandra B.

“Our experience with Bay Equity Home Loans was excellent. Senior Loan Officer Ramon Hernandez recently helped us refinance our home loan. Ramon is highly professional, knowledgeable, and always called us back quickly. Ramon was always looking out for our best interests. We greatly appreciate his hard work. We would highly recommend him for all your mortgage financial needs.”

Ron & Dianira B.

“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.