Ladera Ranch, CA

Let’s talk! Contact me now

Let’s talk! Contact me now

Tim Hardin

NMLS ID#294131
Phone: 949-374-1833

Ladera Ranch Branch
111 Corporate Drive, Suite 170
Ladera Ranch, CA 92694

Tim Hardin

Area Sales Manager

I have been in the mortgage business for the past 16 years. I'm dedicated to ensuring our customer's mortgage needs are met by living by the Golden Rule in all I do. My core believe is that everyone deserves to be treated with respect and careful consideration of their individual needs. I have vast experience in all aspects of real estate particularly in the area of property valuation. 

I have a team of people that get our greatest satisfaction from helping our customers get the best loan for their individual situation. 

The vast majority of our business comes in the form of referrals from our existing customers and real estate agents who want to ensure their clients are well taken care of in a timely manner. 

At our core, our team believes that our performance is a reflection of our belief system that values all people.

We also believe that life is a journey to be enjoyed and we make it evident to all that we interact with all the time.

We look forward to becoming the trusted mortgage professions for you, your family and your trusted clients.

I have been married for 10 years and have 3 beautiful daughters, Ava, Harlow, and Selah. I'm highly involved with my Church and local homeless programs. I love people and love helping! I truly believe money can buy happiness, however that is only when it's used to help others!  My hobbies include being outdoors, fellowship, hiking, spending time with my daughters which includes playing dolls, crafts, ice skating, dancing, beach, bike riding, gym, and loving on people.

Let’s talk! Contact me now


“I have used Tim several times when refinancing or buying a home. He does a great job informing you of your options, is helpful through the process, answers all your questions, and is always friendly. He makes himself available to you and never makes you feel like you are bothering him. Even my realtors have commented on how great he is. Most importantly, he gets the job done. There will never be any hold ups on his end.”

Alex R.

“I have refinanced a few times now, and worked with various mortgage professionals, and there is no contest: Tim is the best. Not only does he know his stuff, but he makes the process as easy and as straight-forward as possible. And best of all, his responsiveness is off the chart. If I need a mortgage in the future, Tim will be my first call. I have already recommended family members to him, and will continue to do so.”

Matt E.

“Friendly and professional, Tim, his staff, and company have never let me down when funding my two transactions as well as friends I have referred. I have always received prompt replies from Tim and staff. Everyone is extremely capable during the entire process.”

Joseph H.

“Tim Hardin is an Area Sales Manager with Bay Equity Home Loans that I would recommend to ANY of my friends and family. I contacted Tim on a Friday afternoon of a holiday weekend and he got back to me right away. Within an hour, he e-mailed me all the info I needed to apply for a loan. I had a pre-qualification letter right away and was pre-approved for the loan within 2 days or so despite the holiday. Tim was extremely professional, courteous, and knowledgeable and really seemed like he cared about my husband and me as new clients. The loan process was stress free and quick. Again, if you need a loan approval fast and want to work with a true professional, I would highly recommend Tim Hardin.”

Yvette B.

“Tim is extremely professional. He was honest with us from the beginning, when he disclosed that an Internet company would definitely get us the lowest rate for our loan, and that they would probably charge us a point or two, to get that lower rate. But he assured us that we would be getting the BEST customer service with him. He was right! He worked tirelessly with us, throughout the entire loan process. We greatly appreciated this, as first-time home buyers, using a VA loan. He even paid for our appraisal up front and all of our closing costs, too. His thoughtful, but simple gift, of a coffee mug, really made me smile, when we were pre-approved for our loan. Tim is very efficient and passionate about his customers feeling important, understood, and well-taken care of. We will absolutely be referring him to any and all of our friends looking to purchase or refinance. With a world full of technology and instant/digital everything, who wouldn't want someone's personal touch for a decision as big as a mortgage? We can't thank him and his team enough! ”

Randall & Stacey H.

“I have worked with Tim for the purchase of two houses and couple refinances. He has been beyond helpful. Always answering questions right away and allowed me to ask a lot of questions. My last sale/purchase became quite complicated near the end and Tim negotiated excellently on my behalf with various parties. I rarely write reviews, but Tim's excellence and help motivated me.”

Richard L.

“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.