David Babine

Branch Manager

NMLS ID# 49676

2040 Boston Road
Wilbraham, MA 01095

I have been in the mortgage business for more than 20 years and live with my family in Palmer, Massachusetts. I am dedicated to helping my community with its home mortgage needs throughout central and western Massachusetts. I have worked in many different areas of the business and have seen it and done it all. I am very detail oriented and work diligently on behalf of my borrowers to handle all aspects of the mortgage in a timely manner.

At Bay Equity Home Loans, we are a one stop shop and can meet all of your mortgage lending needs. We can do conventional, construction, condo's, FHA, VA, first time home buyers, and we can also work with credit challenged borrowers looking to re-establish. The housing and mortgage markets are constantly changing. I can help you navigate the many options to find the right loan for you and your family.

Whether you are buying or refinancing, buying your first home or building your dream home, I can explore with you the many options for financing. I invite you to apply on-line, or contact me to set up an appointment. Either way you will get my immediate and personal attention.


Home-buying by numbers


Your monthly mortgage
Estimate includes principal and interest only. It does not include taxes and insurance. Talk to a loan officer for specific calculations.


What’s your monthly payment?

Estimate your monthly mortgage with this home loan calculator. Just remember, your results are only estimates.

Contact me and I can get you an official figure. I’m here to help.

Built on family and forward-thinking

Bay Equity is family owned and operated. This video is about our start and our technology-driven relationship with Microsoft.