Chris spent hours with me trying to help me understand how it works and made me feel that he really cares about my concerns

Jae H - Buyer

Chris Rocco

Branch Manager

NMLS ID# 666462

4980 North Harbor Dr.
Suite 203
San Diego, CA 92106

I have created a branch of professionals with my business partner, Todd Struyk, and it is our commitment to spend time with you to help you review and choose the ideal loan for your unique financial situation. As your premier mortgage experts in California, we offer competitive rates plus cutting-edge technology to give you an efficient, secure, and quality mortgage experience.

Whether you are a first-time buyer, purchasing a larger home, downsizing your home, buying an investment property, or refinancing your current property, your mortgage loan is one of the most important decisions you will make! We will give you the dedication needed to make the best decision possible.


Homebot is our customizable ROBOT that helps you keep track of your most important purchase. Receive a personalized monthly report tracking your home value, mortgages and market conditions and it gives you smart information on strategically paying your principal payments plus it tells you how much you can rent your home for on Airbnb. Scroll down to: What’s your home worth? And let’s get started!

Loan Calculators

Use the calculator links below to help plan your home purchase or refinance.

Please note, the results are only estimates. Talk to your Loan Officer to get an official figure. We're here to get you home.

Built on family and forward-thinking

Bay Equity is family owned and operated. This video is about our start and our technology-driven relationship with Microsoft.