Government Home Loans are Easier than You Think

Bay Equity is a fully delegated direct lender of FHA and VA loans. We don’t broker the loans to other banks saving you time and money because we are the lender. These loans offer qualifying borrowers more flexibility in underwriting than traditional conventional loan financing. FHA & VA loans are great for First Time Homebuyers too!

FHA Loan Highlights:

  • Extremely Low Rates
  • Fixed for 30 Years
  • No Prepayment Penalty
  • FICO's Down to 620
  • Loan to Value (LTV) up to 96.5%
  • Gift Funds Allowed
VA Loan Highlights:
  • Maximum seller contributions may exceed 6%
  • 100% gift funds allowed
  • 90% LTV cash out refinances
  • No minimum reserve requirements
  • Citizenship is not required
  • Veteran can use entitlement many times
  • Not limited to first time homebuyers
  • Fixed rate assumable loan
  • Reservists qualify for VA benefits
  • Quick closings
  • No down payment required in many Counties (speak with a Representative for details)
  • Underwritten at Bay Equity, not at the investor

 

 


A learning center for borrowers where class is always in session.
   
About Us
Our exceptional reputation for the highest professional standards is built on honesty and integrity.
   
FHA & VA Loans
Bay Equity is a fully delegated direct lender of FHA and VA loans.
Have a Mortgage Banker Call Me
We have Mortgage Bankers standing by to answer your questions.  Have an experienced professional call you now.
   
We are FAST!
Speed: We can close a deal from start to finish in less than 15 days*.
   
Multistate Licensing
Bay Equity is licensed in California, New Mexico, Arizona, Washington, Oregon, Montana and Hawaii.
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Licensing and Registration

Notice: This is not a commitment to lend or extend credit. Restrictions may apply. Rates may not be available at time of application. Information and / or data are subject to change without notice. All loans are subject to credit approval. Not all loans or products are available in all states. Equal Housing Lender. Loans will be made or arranged pursuant to Department of Corporations California Finance Lenders Law License. Bay Equity LLC License #605-3919, NMLS ID#76988/ OR Branch License #238915.





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Welcome to the Santa Rosa Branch of Bay Equity Home Loans Call us at (800) 442-3147 or Apply Today