“We hold these truths to be self-evident, that all men are created equal, that they are endowed with certain unalienable rights; that among those are Life, Liberty and Pursuit of Happiness.”

These famous words are part of the preamble to the Declaration of Independence of the United States, written way back in July of 1776.

If you read between the lines just a little, our Founding Fathers may very well have been talking about equal access to homeownership! Celebrate your freedom to seek a home loan today with Bay Equity Home Loans!

The fundamentals in the American housing market are strong this summer. The robust labor market is steadily pushing up paychecks, narrowing the gap between home prices and wages. Slowing home prices and declining interest rates are creating bright hope for buyers.

Booming back from a slow first quarter, home building surged across the U.S. this spring, driven by an uptick in single-family construction. Building projects for single families are near the highest levels since before the Great Recession.

Bay Equity’s convictions and core values reflect the cornerstones of great American business: Our loan officers nationwide prioritize the best in personalized service, with comprehensive borrower education and full transparency from application to close.

At the same time, we’re moving at lightning speed toward a better future. Our employees have the experience and expertise to leverage state-of-the-art technology so your transaction will be processed quickly, efficiently and accurately.

Bay Equity specializes in a variety of loan programs sponsored by the federal government, including FHA, VA and USDA. with down payments as low as zero to 3.5 percent. We can help you access down payment assistance (DPA) programs sponsored by local governments.

Underscoring our commitment to America’s best, we also offer the “Giving to Heroes” loan program for current and retired military members, police officers, health care workers, government employees, emergency personnel and teachers. A percentage of the commission goes to the “hero” borrower in the form of closing cost credits.

Whether you're in the market for a new home, or looking to refinance out of your current situation, we're going to go out of our way to make sure you are informed, updated, and most of all, satisfied.

Homeownership is a vital tool for building wealth and community, and has deep implications for a more equitable future for everyone.