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Message from The Ross Team

Greetings from the Ross Team and Bay Equity Home Loans. We would like to work together to offer our friends and family benefits when obtaining a home loan either through a home purchase or a refinance of an existing home loan. We are a family-owned and operated lender based in California and Arizona. In the spirit of home, family and financial well-being we are proud to offer discounted loan fees, discounted Realtor fees, complimentary credit review and an appraisal fee credit at close of escrow. All of this along with a superior level of service.

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.

Ross Team

NMLS ID# 179446 | Tom Ross

(602) 865-7985
5635 East Thomas Road
Office 13
Phoenix, AZ 85018