San Diego, CA

Let’s talk! Contact me now

Let’s talk! Contact me now

Todd Struyk

NMLS ID#223161
Phone: 619-987-4966

Point Loma Branch
4980 North Harbor Drive, Suite 203
San Diego, CA 92106

Todd Struyk

Branch Manager

I have been involved in the San Diego housing industry for more than two decades. I was a real estate agent for six years before turning to loan origination in 1998, serving the last seven years in executive roles.

As an experienced mortgage professional, I have earned San Diego magazine’s Top Mortgage Professional award in 2012 and awarded a Five Star Mortgage Professional designation for the past five consecutive years. I have also made the Scotsman Guide list of the Top 225 originators in the country.

It is my commitment to spend time with each of my clients to help them choose the right loans for their unique financial situations, whether first-time homeowners, current homeowners or real estate investors.

I see the cutting-edge technology and streamlined processes of Bay Equity Home Loans as key to serving clients in the most efficient ways possible. 

Bay Equity is the most dynamic and successful group of lending professionals in Southern California. It’s a great platform from which I will continue to help my clients move into their dream homes and secure their financial futures.

Contact me for a personal mortgage consultation.

I look forward to guiding you through your loan process.


Let’s talk! Contact me now

“Todd and his team are fantastic to work with. They are very efficient and organized and knowledgeable. I would definitely use them again. We were on a time constraint and Todd and his team did everything possible to expedite the closing process.”

Tracy M.

“Todd was extremely professional and respectful throughout my home buying process. He quickly answered all of my questions, and efficiently completed all steps of the lending procedure. I give Todd my highest recommendation.”

Daniel, 6/18/18

“They were great and did what they tokd us they would do. Wonderul to work with. Would recommend them to my friends and family. They were very professional and personable.”

Nicole, 6/2/18

“Todd has proven on several loans that he can think outside the box where other lenders just can’t. He works with people to find out all the necessary info and then offers them very competitive rates with amazing boutique level service. He provided us with custom letters of pre approval and offered expert support till the very end, helping out many times late hours when other lenders wouldn’t be available. Thanks Todd!”

Evan Z. 5/30/18

“Todd provided timely, well-informed information and ensured seamless progress through escrow, closing 5 days earlier than the original target date. Thanks to Todd and the Bay Equity team.”

Adam, San Diego 5/29/18

“Best lender we've used! Todd was extremely professional, and walked us through the process from start to finish. Made a seemingly difficult process seem simple! Would not hesitate to use again.”

Zillow Reviewer

“Todd was amazing from the beginning and remained responsive and professional throughout, always with our best interests in mind. We would recommend him highly to anyone and definitely use him again! ”

Grady H.

“All of my interactions with Todd have been top notch! He is very professional and knowledgeable. I highly recommend him for anyone looking for a home loan.”

Jeff S. 12/4/17

“Todd is very much on his game. With our complicated loan, and a lot of moving parts, he took care of every last detail quickly and efficiently. He's the best!”

Jack K. 12/5/17

“Todd is the consummate professional: friendly, helpful and timely. He proactively communicated at every step and was always available to answer questions and provide guidance for decisions we had to make. I wouldn’t hesitate to work with Todd again.”

Laurie W. 1/9/18

“Make your lending as easy as possible with Todd Struyk through Bay Equity. He is there to answer your questions and guides you through the entire process.”

Arleen K. 1/9/18

“Very Professional! All of my interactions with Todd have been top notch! He is very professional and knowledgeable. I highly recommend him for anyone looking for a home loan.”

Jeff S.

“Excellent Service! Todd is very much on his game. With our complicated loan, and a lot of moving parts, he took care of every last detail quickly and efficiently. He's the best!”

Jack K.

“2nd time working with Todd Struyk. Top notch! Makes things easy and worked through issues others couldn't. A-class service!”

Andrew V.

“Todd is amazing! He’s helped us at the time we purchased our house and also when we refinanced. He’s very professional and communicative. Working with him was effortless. His team is also very efficient and professional as well. We would highly recommmend Todd and Bay Equity for your home loan needs.”

Hien T.

“Todd at Bay Equity was AMAZING to work with!! This was my first home purchase and I had initially started my loan process with a different lender who was not giving me the confidence I was expecting. I mentioned this to my agent and she referred me to Todd. He was super responsive and easy to work with. I never felt like I was in the dark or that my loan was being held up because of him. He also sent me cool swag at different milestones of the process. It really felt like a business partnership rather than just another transaction. I will ALWAYS refer my family and friends to Todd and Bay Equity!!!”

Vanessa S.

“Todd is an outstanding mortgage professional who has helped many of my clients finance their property purchases. He is extremely knowledgeable in a wide range of loan programs. He is on time, offers good rates, and is really good at communicating every step of the way. You will never be wondering what is going on with your loan when you work with Todd. I highly recommend Todd to anyone who is seeking a loan for their real estate purchase.”

Beth R.

“Todd Struyk was the most amazing lender I have ever worked with. He offers personal service, meetings in his office and several times without a previous appointment. From our first meeting, Todd outlined the purchase process, timeline, current mortgage rate trends, estimated fees, closing costs etc. He did not leave anything for me to discover as a surprise. The most impressive feature I can share is the amazing team work Todd as assembled. The pre-qualification and actual loan approval was precise and I knew exactly where I stood and did not over extend myself financially. Todd was available every day of the week to include the Saturday that I made a final offer! I also appreciated the personal emails I would receive from Todd explaining every step that I had completed and what was to follow. These emails included a personalized video which was just outstanding! It was like having a personal tutor. The end result was seamless with Todd as my Senior Loan Officer, the loan processing team and escrow. I was able to close my home purchase very close to 30 days which made me happy and of course the seller. To summarize, Todd is extremely professional and an expert in his field and without a doubt I highly recommend him to work with you to secure a home mortgage loan! Thank you Todd!”

Lisa H.

“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.