Residential Loan Programs
Programs
With a fixed-rate loan, your monthly payment of principal and interest never change for the life of your loan.
Read MoreProcess
Make no mistake, there's a lot involved in getting a mortgage loan.
Read MoreWELCOME TO PARTNER EQUITY
We know that each customer has specific needs, so we strive to meet those specific needs with a wide array of products, investment tools, mortgages and best of all quality service and individual attention.
Today's technology is providing a more productive environment to work in. For example, through our website you can submit a complete on-line, secure loan application or pre-qualify for a home loan. You may also evaluate your different financing options by using our interactive calculators and going over various mortgage scenarios.
NewsLetters
Update: Does the chaos in Washington have a Silver Lining?
The last month has been an intense one for the world economy, stock markets and in Washington, and the lending environment has been no different.
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Update: Generate Risk Free Double Digit Through Your Mortgage
In today’s environment, returns at 2% for bonds and 1% for CDs, and highly volatile stock and commodity markets, it would be hard to imagine a 10% after tax* return without any risk. But for a group of individuals, this return is indeed possible, although a bit counterintuitive to understand!
Read MoreClients Testimonials
In 2009, we refinanced our home in Danville. The folks at Bay Equity were great and made the whole process seem painless. This January we found ourselves in the fortunate position of acquiring an additional property! Because our past experience was so good, we were happy to use Bay Equity again. Chris Sanchez and his team came through, just as we knew they would! Thank you, Chris, for all of your attention to detail and making this so smooth for us - we appreciate you all so much!!!
Julie N., Danville, Calif.- After shopping around for a lender that could offer a competitive refinance, I chose to work with Bay Equity. While the company is younger (I think they started in 2007), the experience was a breath of fresh air. We had to get out from a high interest FHA loan, with mortgage insurance, and our Loan Officer was clear and concise when giving us our options. He even looked at value and sales comps before putting the appraisal order in. He wanted to make sure we didn't pay for an appraisal unnecessarily. Well, he predicted the value would be there and in fact it was. The new fixed rate loan saved us several hundred dollars per month and we got rid of the mortgage insurance! I found the company to be direct and clear with the process and they provided me with detailed answers to my questions. If you're looking to refinance your home, you should definitely give Bay Equity Home Loans a call. I will definitely use them for my next home loan!
Dennis M., San Francisco - Let me first say, I would not have been able to buy my home if it where not for the fine folks at Bay Equity. I came to find Bay Equity after getting into contract to purchase what turned out to be a very complicated transaction. It was a long and painful process, but the people I worked with at Bay Equity were awesome in helping my wife and I jump the hurdles of the home loan process. I could not believe how many hurdles and issues came up, but none were the fault of Bay Equity, but rather the regulatory requirements. .. We can't change the industry, but the folks at Bay Equity know their stuff and were an invaluable help in getting my home loan funded.
Phillip C., San Francisco - I cannot say enough good things about Bay Equity and recommend this company wholeheartedly.
The process, the people and, most importantly, their customer service were as good as I've worked with in any industry.
My wife and I were under very tight timelines in order to purchase our house (short sale) and their staff was unbelievably fluid and helpful throughout. We were able to lock in a GREAT rate and our loan funded start to finish in 25 days.
If you're looking for highly competitive rates and first in class customer service I would give these guys a call...
Matt D., Costa Mesa, CA - I had a great experience with Bay Equity. They did the loan for my first house and also handled the refinance of that same house two years later when rates dropped.
When I bought my first home the buying agent kept pressuring us to use their mortgage firm. From the beginning I always wanted two mortgage quotes. So I had Bay Equity give me a quote as well during the escrow process.
They were always up front and straight forward with me and never led me to believe something that wasn't true. My Real Estate agents broker withheld information from Bay Equity to keep me from going with them. After all the dust settled I am very glad I ended up picking Bay Equity. They gave me an amazing rate and I referred a lot of my friends to them as well.
For my refinance everything was even easier. I didn't have to go out of pocket for anything, they did all the work and now I save another few hundred a month on my mortgage payment.
David C., San Francisco
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