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RFTA pursues excellence and innovation in providing preferred transportation choices that connect and support vibrant communities.


Accountable – RFTA will be financially sustainable and accountable to the public, its users, and its employees.

Affordable – RFTA will offer affordable and competitive transportation options.

Convenient – RFTA's programs and services will be convenient and easy to use.

Dependable – RFTA will meet the public's expectations for quality and reliability of services and facilities.

Efficient – RFTA will be agile and efficient in management, operations and use of resources.

Safe – Safety is RFTA's highest priority.

Sustainable – RFTA will be environmentally responsible.

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
See your estimated savings
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About Bay Equity

Bay Equity Home Loans is family owned and operated and committed to providing borrowers with exceptional customer service throughout the mortgage process.

Founded in San Francisco in 2007, Bay Equity is now headquartered in nearby Corte Madera with branches and operations centers across the country. Bay Equity is made up of the most accomplished mortgage and financial professionals at every level. We take great pride in helping borrowers achieve their home ownership dreams.

We’re here to get you home.

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.

Michael Picore
Area Sales Manager
NMLS ID# 339742
CO-MLO# 100033209
Phone: 9703092911
Fax: 9706826470
1319 Grand Avenue, Glenwood Springs, CO 81601
Start a Loan Application