Juliette was very personable and knowledgeable in this field.

Celeste, Chula Vista

Juliette Montoya-Cesena

Senior Loan Officer

NMLS ID# 246360

(619) 374-2935
3450 Bonita Road
Suite 108
Chula Vista, CA 91910

It is my goal to be your full service loan professional! I have been in the San Diego Mortgage and Real Estate industry since 1993 and the housing and mortgage markets are constantly changing. By providing you with a solid education on the process of securing a home loan, I can help you navigate and find the right loan option to get you into your home and to help you and your family realize your goals.

I offer a variety of loan programs including refinancing options, investment purchase options, Jumbo loans, First time home buyer options, down payment assistance loans, government loans and reverse mortgages for seniors.

Please contact me for a personal appointment or apply online and either way you will get my immediate and personal attention. I look forward to assisting you with your current and future home loan goals.


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.

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!

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.