Bay Equity Home Loans
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Bay Equity Home Loans
We understand the home loan process can be daunting, so we're here to support you all the way through. From a home loan to a home refinance, we're proud to offer a secure application process that you can easily complete on your smartphone or computer. Want to make it personal? Contact one of our outstanding loan officers to personally guide your journey, step by step.

With hundreds of local teams across the country, chances are pretty good we're in your neighborhood. Look us up. Bay Equity is a family-owned, full-service mortgage lender that prioritizes personal relationships. Your needs, first. Founded in 2007 and licensed in 42 states (and counting), we understand that behind every loan stands someone's home.
Reviews (9)
Marie T.
Marie T.
Sep 05, 2021
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Dealing with Ali Ghaziani is hands down the worst experience I've had in a long time in regards to professionalism, thoroughness, customer service and most importantly, communication. His ego and arrogance unfortunately didn't distract us from being aware of how shady his dealings were. Very untrustworthy and the entire transaction felt wrong... we're actually wondering, and waiting, for something bad will come to light. We'll see I guess :(
Gracelynn Fjelstad
Gracelynn Fjelstad
Jul 29, 2021
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Coleen TeBockhorst, a senior loan officer in Bloomington, Minnesota is INCREDIBLE. She cares about her clients so much. She fought for us and helped us buy our dream home. Her communication was always on point. Outstanding lady!
Steph Hirshberg
Steph Hirshberg
Jun 24, 2021
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My husband and I have worked with Brenda Sargent now on multiple mortgages and a refinance. I highly recommend her. She works so hard for you and is very, very accommodating and easy to reach. She will shoot for the stars! Brenda is our go-to when looking at mortgages and refinancing. You won't need anyone else!
Fran Johnson
Fran Johnson
May 18, 2021
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Excellent Communication with keeping you updated and informed in the process of helping you get into your dream home. Awesome job Bay Equity!
Beverley Lubbe
Beverley Lubbe
May 13, 2021
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Excellent communication. Explained every step. We had some glitches along the way, David and his team walked us through them all with professional and tireless patience. I would highly recommend this entire group. Thank you!
Tabatha Rehm
Tabatha Rehm
May 07, 2021
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Sadly what was supposed to be a great thing for our family was turned sour. 6 months in to owning our home and we still have unpaid tax bills and no answers. Undisclosed taxes coming up after we purchased the house. Just not a great experience after closing on the house. Just lack of communication and information. Knowing we were first time buyers we expected more information and understanding.
Susanne Dyal
Susanne Dyal
May 02, 2021
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Scott was a pleasure to work with. He is knowledgeable and gave excellent advice to help me be as competitive as possible without being in a difficult financial situation. He and his team were thorough and made the home buying process easy. Not only is he experienced and proficient, but he is personable and easy to work with. His team communicated… well throughout the process and helped me secure a competitive loan, even as a first time homebuyer. He was always available and would go out of his way to make sure I had all of the information I needed and offer advice, whether this was related
Bailey Shepherd
Bailey Shepherd
Apr 20, 2021
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Shannon went above and beyond for my husband and I. As first time homebuyers we had no clue on what to do or how to get started. She was amazing and explained everything to us as we went and made buying a house really fun and exciting!!
Keith S.
Keith S.
Feb 09, 2021
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The rates were competitive for a 30 year fixed. Someone else quoted me the same rate but with 2/10 of 1 point. I was told I would not know the exact closing costs I would have to pay but manager Ali Ghaziani estimated the costs to be $1,600 to $1,800. When the costs were over $2,000 I asked why the estimate was low when he could have easily estimated something that would have been accurate, e.g. $1,600 to $2,500.

Alex refused to tell my why his estimate was low, claimed he has no supervisor to talk to, and that he and his company were making no money on my refinance.

I believe under promising