I loved working with Bay Equity. The team made a very stressful process seem fun and exciting!

Joseph W. - First Time Homebuyer

Gretchen Johnson

Branch Manager

NMLS ID# 323733GA-MLO# 29790

(912) 527-6264
504 Beachview Drive
Suite 2A
St. Simons Island, GA 31522

Thanks for visiting my web site.

As a lending professional at Bay Equity, I am dedicated to helping you with all of your home mortgage needs.

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.

You are invited 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.

Schedule a time to chat

Need some help?

Check out these documents to help make your loan process that much smoother!