Getting a mortgage loan pre-approval takes the guesswork out of knowing how much home you can afford, and provides a seller with proof that you are a “serious,” qualified buyer.

Once you are ready to buy a home, your first call should be to a mortgage lender:
Check online for the Bay Equity Home Loans branch near you. We can get you started on the first steps toward your homeownership dream.

Some of the mortgage giants do a lot of TV and radio, and make a lot of promises. But nothing can take the place of a local lender like Bay Equity.

Licensed in 42 states, Bay Equity has knowledge and experience in the community. Our loan officers know your market inside and out,

We will help you to assemble the documents you will need and help set a realistic target for your homeownership budget.

In recent years, mortgage guidelines have been tightened. Expanded document requirements are followed more closely. A pre-approval uncovers potential pitfalls long before you become obligated to purchase.

Understanding all your limits and knowing what to look for will help you shop with confidence.

Next, you should contact a professional real estate agent. Bay Equity partners with some of the best real estate agents in your local market. Who you choose to work with is important. Homes are available, but they often sell very quickly.

Once a home hits the market there may be multiple offers right away. A fair share disappear before being advertised. You cannot always count on time to carefully consider your choices. Having a professional Realtor watching the market for you can make all the difference.

Once you've found a suitable home, and you are ready to make an offer, the experience of a professional real estate agent is invaluable Working on your behalf, they can arrange for inspections and appraisals and structure a great bid. In the meantime, Bay Equity guides you to the best loan type for your needs.

Being well prepared and knowing what to expect can help make a winning offer while keeping finances and priorities in balance.

The closing is where the transaction is finalized. Once a glacially slow event, Bay Equity’s e-signing platform, “BE Express Closing” streamlines the process.

The choice is yours: You can keep paying rent, with a place to live, but no stake in homeownership. Or you can purchase a home, an effective way to build long-term wealth, and invest in the American Dream.