We are Morgan Hill


Penny Doubek has built a lending environment dedicated to serving clients, business partners and Loan Officers with the best the mortgage business has to offer. As a 33-year veteran Penny’s passion for people is what drives her to focus on the relationships across the industry that make client’s dreams and goals a reality.

Whether you are a client seeking mortgage guidance, a Realtor looking for a strategic partner or a Loan Officer looking for just the right office environment, Penny Doubek is certainly who you need to call. As a trusted and cherished member of the community, Penny and her team are here for you!

With two locations to serve you, our San Jose Branch is located at: 99 South Almaden Boulevard, Suite 600, San Jose, CA 95113

Our amazing team


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.

Talk to one of our loan officers to get an official figure. We’re 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.