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Message from Let's Go Wine Walk

I have been a giant fan of Bay Equity since they started in 2007...it is so wonderful to watch a local, family-owned mortgage bank grow throughout the years despite the difficult economy. Not only is Bay Equity doing well, they are doing business right! Raul Espinoza is a great resource for anyone looking to help simplify the process of home financing. You will love working with Raul and his Team! Let's Go Wine Walk & Let's Go Bay Equity!

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.

Raul Espinoza

Senior Vice President - Sales & Strategic Markets

NMLS ID# 283651

F:
(415) 762-5485
A:
633 West Fifth Street
26th Floor, Office 2688
Los Angeles, CA 90071