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Message from Timothy Rock

Greetings ~ As you all know, the core of our success is in building our family and work environment to be a place where our team members are made better by those around them. We strive to help every team member achieve personal and professional goals. In the spirit of family & financial success, we are excited to announce an exclusive partnership with a leading mortgage company, Bay Equity Home Loans and Senior Loan Officer, Guy R. Vetrano. Guy has been originating home loans since 1995 and joined Bay Equity for its impressive growth and because they share his expectations in providing customer service. Guy's Team at Bay Equity is dedicated & experienced and genuinely wants to help with your home purchase or refinance needs. If you're interested in purchasing a new primary home, vacation home, or investment property, or looking to refinance into a lower interest rate, consolidate debt, or even cashing out for home improvement, please reach out to Guy R Vetrano.

About The Program

Bay Equity Home Loans is a local mortgage lender regularly recognized for growth and service in the Industry and several other publications. This dedicated and experienced team is looking forward to serving your refinance and purchase needs. You and your family members are automatically eligible for the following discounts:

  • Appraisal fee credited at closing
  • Highly competitive rates
  • Complimentary credit review
  • 0.25% credit to loan fees
  • Superior service levels and quick closing
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About Bay Equity


Bay Equity Home Loans is a full-service retail mortgage lender founded in 2007. The company is a longtime supporter of the Warrior Foundation Freedom Station, donating a portion of the proceeds from each FHA and VA loan funded. We’re here to get you home.Bay Equity is proud to offer Giving to Heroes through participating branches.

Start the loan process

As lending professionals at Bay Equity, we are dedicated to helping you with all of your home mortgage needs.

The housing and mortgage markets are constantly changing. We can help you navigate the many options to find the right loan for you and your family.

Guy R. Vetrano

NMLS ID# 183357

F:
(602) 532-7304
A:
7878 N 16th Street, Suite 270
Phoenix, AZ 85020