"Great communication and explanation every step of the way from Todd and the entire team."

Jonathan - San Diego

Todd Struyk

Branch Manager

NMLS ID# 223161

4980 North Harbor Dr.
Suite 203
San Diego, CA 92106

It is my commitment to spend time with you and help you review and choose the correct loan for your unique financial situation. On every transaction it is important to analyze what is best for your goals whether you are a first-time buyer, purchasing a larger home, downsizing your home, buying an investment property or refinancing your current property. A mortgage loan is one of the most important decisions you will make, and I will give you the dedication needed to make the best decision possible.

Through the two decades I have been in this business, I have received numerous recognitions and awards, and this just means that I have the experience and expertise you need. In 2012 I earned San Diego Magazines Top Mortgage Professional award and since then have been awarded a Five Star Mortgage Professional designation for the past five consecutive years. These awards are a direct result of feedback from my past clients. I also made it on the Scotsman Guide’s list of TOP 225 Mortgage Originator’s in the country. I was most recently awarded Bay Equity’s 2018 Award of Excellence for the Southern California region.

Bay Equity offers convenience and efficiency, utilizing the top in cutting-edge technology, easing the loan process and providing the utmost confidentiality. But we have not forgotten the importance of personal customer service which means that I am available to you throughout the loan process.

Bay Equity is the most dynamic and successful group of lending professionals in Southern California. It is an excellent platform for me to provide you with the best lending service available, helping you with your dreams and securing your financial future.

I look forward to guiding you through your loan process!


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.

Need some help?

Here you’ll find a number of different downloadable PDFs, PowerPoints and other important documents to help make your loan process that much smoother!

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.