We were able to buy our house within a very short period of time, ever as first time buyers!

Holly A. Herson

Steve Kirk

Senior Loan Officer

NMLS ID# 363628CO-MLO# 100500801

8955 S. Ridgeline Blvd
Suite 1600
Highlands Ranch, CO 80129

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; if you need real estate advice, I will gladly refer you to a top Realtor in your area as well.

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. Please allow me the opportunity to put my 30 years' experience to work for you!


Steve Kirk


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.

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.

What people are saying

Steve Kirk is outstanding! Throughout the whole process of the home buying experience he made sure everything was right where it needed to be and everything with a deadline was met to perfect standards. Not only was Steve very friendly and sociable, you could chat with him for hours about any questions you may have which is very helpful for a first time home buyer. He found us the perfect loan option to cater to us and made sure we were always happy and taken care of!
- Tyler, Windsor CO