Ladera Ranch, CA

Let’s talk! Contact me now




Let’s talk! Contact me now




Zach Hardin

NMLS ID#273435
Phone: 949-547-3341
E-mail: zhardin@bayeq.com

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

Zach Hardin

Area Sales Manager

I have been helping my clients with their mortgage needs for over 10 years now.  It all began while I was attending Vanguard University and decided to start my own home appraisal company.  I would be driving all day, sometimes doing 8 appraisals each day, and I would talk to each client I serviced.  I began to notice a trend -  several people were complaining about the service they were receiving from their Loan Originator.  I knew I could do better & I have made it my mission to provide the highest level of customer service from the beginning of the transaction to the end.

I am dedicated to helping my clients pursue their dreams.  Whether it be a first time homebuyer, or a seasoned investor, I treat each transaction professionally.  I am available at any time via email and cell phone, including early mornings, late evenings, and on the weekends.  When I am not busy helping my clients, I enjoy relaxing and traveling with my wife, Raquel; son, Noah; and daughter, Sienna. 

Please contact me today so I can help!
949-547-3341

Let’s talk! Contact me now




“I just closed on my refinance and I can honestly say that it was a pleasure to work with Zach and Bay Equity. Zach was such a professional with the best customer service I have encountered with a mortgage company. The entire team was helpful and Zach's quick response to all of my questions is second to none! I will with out a doubt recommend Zach and Bay Equity to anyone in the market for a loan. Thank you for making my experience so wonderful.”

Teresa R.

“I have worked with Zach several times and I really think he is the best! Zach and Bay Equity are always available to answer any question and make the whole refi process so smooth! I highly recommend Zach and Bay Equity. It has truly been a pleasure! Thank you!”

Darcy I.

“I recently closed on my first home purchase with Zach in November last year. A few months later, Zach was proactive in reaching out to me to discuss refinancing when he noticed that mortgage rates went down. Having already worked with Zach and knowing how efficient and attentive he was, I had a feeling that refinancing would be a seamless process. I am extremely pleased to say that Zach was able to work with my needs and we closed right on schedule. Zach is a true professional and a pleasure to work with.”

Daniel B.

“I recently closed on my first home purchase with Zach in November last year. A few months later, Zach was proactive in reaching out to me to discuss refinancing when he noticed that mortgage rates went down. Having already worked with Zach and knowing how efficient and attentive he was, I had a feeling that refinancing would be a seamless process. I am extremely pleased to say that Zach was able to work with my needs and we closed right on schedule. Zach is a true professional and a pleasure to work with.”

Daniel B.

“It was truly a pleasure working with Zach and the Bay Equity team!! Zach was very professional, knowledgeable and thorough. I would highly recommend him to my family and friends. Great experience!!!”

Darcy I.

“Zach was very thorough when processing our loan request. His teams made the process so easy and they were a step ahead keeping me informed of all proceedings. It was a pleasure doing business with Zach and Bay Equity.”

Daniel & Cherie D.

“This was my first home purchase and Zach was incredibly helpful, attentive, and professional throughout the entire loan process. As you can imagine, I had many questions to wrap my head around getting my first mortgage. Zach gave me the utmost comfort and guided me through what was actually a very painless process, which is a real tribute to his expertise. I have the highest respect for Zach and you will receive top quality service when working with him.”

Daniel B.

“Zach is extremely helpful and very responsive. On many occasions throughout my loan process he went above and beyond what was required. I would strongly recommend Zach and Bay Equity for any loan!”

Scott B.

“We have worked with Zach on several occasions. With rates being at historic lows refinancing has seemed to be one of our favorite past times. With Zach's help we have been able to save hundreds of dollars per month on multiple properties. Zach always has our best interests in mind and knows when it's time for us to take a look at rates. He is knowledgable, responsive and precise. Anytime we have people ask for someone in the lending field we are quick to refer them to Zach. Refi's, purchases, or just general questions we know Zach will treat them right and get them the best deal possible!”

Anthony R.

“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.