AMAZING Service! Rich and his team were GREAT! Rich was extremely attentive and thoroughly explained everything each step of the way.


Stephen L.


Richard Breed

Senior Loan Officer

NMLS ID# 704369

F:
(860) 606-8013
A:
65 LaSalle Road
Suite 309
West Hartford, CT 06107

Welcome to my website, and congratulations on taking the first step to buying or refinancing your home. I look forward to putting my expertise and mortgage services to work for you.

If you are looking to apply for a mortgage and/or just looking to get “pre-approved” for a loan, please start by clicking the "Apply Now" button above. This will securely send me some of the required information in order to start the mortgage process and get you one step closer to obtaining your loan.

Please know that I’m here for you and ready to guide you through this mortgage process. Just remember there’s no such thing as a “stupid question” so feel free to ask away! I take pride in making sure your mortgage experience is not only a positive one, but impressive enough to make you feel confident to refer your friends and family. There’s a good reason why I’m consistently surveyed as one of Connecticut’s top mortgage professionals via Connecticut Magazine.

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.

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affordability
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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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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.

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.