Chula Vista, CA

Let’s talk! Contact me now

Let’s talk! Contact me now

Ray Ferguson

NMLS ID#310201
Phone: 619-678-1123
Mobile: 619-980-2422
Fax: 619-678-1130

Chula Vista Branch
3450 Bonita Road, Suite 108
Chula Vista, CA 91910

Ray Ferguson

Senior Loan Officer

The Chula Vista branch of Bay Equity Home Loans has always had a “customer first” approach. Our office is in the heart of downtown Chula Vista, but we serve the entire Southwestern region. Whether you are buying a new home or refinancing, our intent is to ensure your experience is special and exceptional. My entire team brings a wealth of knowledge, experience and expertise in this forever changing housing and mortgage market. We live and work in this community and take pride in what we do and how we do it.

One of the most important things in purchasing a home or refinancing is making sure you fully understand each step along the way. Our approach is simple, if you’re satisfied, we’re satisfied. With over 20 years’ experience in the mortgage industry, we take pride knowing we help families realize their dream of home ownership. Each customer has a unique situation and we will explore the many options for financing and together determine the best direction for you and your family.

Bay Equity Home Loans is family owned and operated.  Since Bay Equity is a direct lender, all lending decisions are made in-house.  We know each loan we touch is someone’s home and we know how important it is to you. Bay Equity is a leader in the mortgage lending, financing and home loan business. We offer a wide array of lending programs. Let us help you achieve your dreams and goals starting today. 

Apply on-line, or contact me to set up an appointment. I look forward to hearing from you.

Let’s talk! Contact me now


“Since the first conversation we had with Ray Ferguson at Bay Equity, we knew he was the right loan officer for the job. We were first time home buyers and he really walked us through the entire process and made it all very simple throughout. He is very knowledgeable, creative and efficient at what he does in mortgage and loans. His initial estimates proved to be true all the way to the funding of our loan. He and his team are excellent and highly recommended.”

Jason R.

“Three years ago, due to some health problems, I had to quit my other job. From then, we had problems paying our monthly mortgage and bills. We sought assistance to refinance our home from major banks, without success, until someone referred us to Bay Equity Home Loans. They were so helpful and walked us through the process. Isabel Vasquez was so helpful. Ray Ferguson kept us updated. The staff was so accommodating every time we visited their office. It’s like a family. Lastly, during the final phase, Carolina was so helpful and she even took time visiting us at home to complete the process. Now, we can start a new life that will give us more financial freedom. We highly salute Bay Equity Home Loans. Their approach is a family. Thanks to you all!”

Arnel & Marianne M.

“Ray and his team were awesome!! He made this home buying experience absolutely amazing for myself and my family, his top priority is making sure that everything is perfect for your family! He is very knowledgeable about the whole loan process. I can't thank him enough for everything he did for our family!! You truly made our dream come true!! I would 1000000% recommend Ray and his team to any and every one! Ray is truly the best out there! Thank you again for working tirelessly to make this happen for us!!”

John and Vanessa W.

“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.