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Message from Pam Willis


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:

  • Highly competitive rates
  • Complimentary credit review
  • 0.25% credit to loan fees
  • Superior service levels and quick closing
See your estimated savings
Provide your contact and loan info to calculate your estimated savings

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.

Michael Picore

Area Sales Manager

NMLS ID# 339742CO-MLO# 100033209

(970) 682-6470
1319 Grand Avenue
Glenwood Springs, CO 81601