Juliette was very personable and knowledgeable in this field.


Celeste, Chula Vista


Juliette Montoya-Cesena

Senior Loan Officer

NMLS ID# 246360

F:
(619) 374-2935
A:
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.

Loan Calculators


Use the calculator links below to help plan your home purchase or refinance.

Please note, the results are only estimates. Talk to your Loan Officer to get an official figure. We're here to get you home.

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!

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