Gene Avakian

Sales Manager

NMLS ID# 249478

(209) 992-4139
217 North School Street
Lodi, CA 95240

Integrity is the cornerstone of my business. I believe a mortgage should be about building relationships and helping my customers achieve their home financing goals, not just a transaction. As a Bay Equity Home Loans Mortgage Banker, I take a consultative approach to the home loan process by customizing each home financing solution to help customers achieve their home financial goals. Many loan officers can get you a loan, my mission is to get you the right loan. During my many years in the mortgage industry, I have shared my expertise to personally assist thousands of families with responsible and affordable home financing.

I have an extensive background assisting first time homebuyers, buyers moving up or looking for an Investment Property as well as high net worth borrowers and self-employed borrowers. I also have a great deal of experience in:

Conventional loans\ Government loans (FHA, VA, USDA) \ Investment property lending\ Non-conventional “Jumbo” lending

Call or email me today and let’s get started on achieving your home financing goals!

Reviews on Zillow


"Gene is extremely organized, knowledgeable, truthful and patient. He will make your loan process a smooth process- he has a strong work ethic, and is ... more "

by lodiplumber


"Great, friendly and efficient service. He answers all of your questions in a timely manner. He is very knowledgeable and pleasant to deal with. I ... more "

Need some help?

Here you’ll find a number of different downloadable PDFs, PowerPoints and other important documents to help make your loan process that much smoother!

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.