San Diego, CA

Let’s talk! Contact me now




Let’s talk! Contact me now




858-354-4566
Toby Tollack

NMLS ID#226922
Phone: 858-354-4566
E-mail: ttollack@bayeq.com

San Diego - Cal Pacific Branch
5080 Shoreham Place, Suites 105 & 204
San Diego, CA 92122

Toby Tollack

Senior Loan Officer

Choosing the right Mortgage professional means more than simply finding the lowest quote on a 30-year fixed program.  With the housing and mortgage markets constantly changing, receiving the right guidance through education and custom strategic planning from an advisor you can trust is paramount to ensuring you have the most efficient mortgage plan designed for you and your family. It isn’t every day you purchase a home or refinance so ensuring it is done right the first time is essential to the well-being of your finances.

Ed Quinby and Toby Tollack have built a team dedicated to assisting Homeowners for over 18 years. As Senior Loan Officers at CalPacific, a Division of Bay Equity Home Loans, Ed and Toby have been recognized year after year for leading achievements in the lending industry as top producers in their field.

Ed and Toby have been recognized in the TOP 1% of Mortgage Originators Nationwide (Source: Mortgage Executive Magazine 2012-2017.)

Their philosophy and goal is to present you with the best mortgage options available for your personal situation. They specialize in all aspects of Residential Lending including purchases, refinancing, govt- FHA/VA, jumbo, investment, portfolio lending, etc. 

With their extensive knowledge and experience of the industry, guidelines and loan programs and their personalized attention to detail, Ed and Toby have grown their business and team significantly. Their reputation is built on first class personalized service,  providing  the most competitive rates and pricing while also offering creative solutions to complex loan structures. Additionally, they’re able to broker to over 50 mortgage lenders which gives them a unique ability to give you many niche financing options. Developing trust with their clients is how they earn their business. Communication, great service and guaranteed on-time closings is why their clients keep coming back!

Everyone on their team (all in-house) from the processors to underwriters –have the same focus, on-time and accurate closings on a loan product that is just right for you.

Bay Equity Home Loans is a full-service retail direct mortgage lending institution founded and headquartered in the heart of San Francisco’s Financial District. In 2011 and 2012, San Francisco Business Times named Bay Equity among its "Top 100 Fastest-Growing Private Companies" in the Bay Area. Bay Equity also has operations centers in Concord, CA; Corona, CA; Lake Forest, CA; Portland, OR; Tacoma, WA and Everett, WA along with 64 retail branch offices on the West Coast. 


858-354-4566

Let’s talk! Contact me now




858-354-4566

“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.