"Kim was on top of everything. Turn-around is personal, fast and exceptional!

Sandra - Borrower 2020

Kimberly Pedersen

Branch Manager

NMLS ID# 304315

950 Hough Avenue
Suite 110
Lafayette, CA 94549

Before entering the home financing industry, I sold real estate for some of the largest brokerage firms in the Bay area. With this background, my career change to a Certified Mortgage Planning Specialist has enabled me to provide stress-free experiences to clients purchasing or refinancing a home.

It's a pleasure to serve the community where I've raised my family for the past 23 years. While working with me, you will be guaranteed a loyal partner who's invested in your long-term financial success, committed to meeting your unique needs, and is compassionate to your distinct goals. As a certified mortgage planner, I will keep you informed regarding monthly mortgage industry changes and interest rate fluctuations.

The quality of services I offer is demonstrated by my passion to listen and understand your unique needs, whether you are a first-time home buyer, refinancing, or purchasing an investment property. After attentively getting to know your long- and short-term objectives, I will recommend the financing strategy that best fits your needs and adds value to your life plan.


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.