We're here to get you home.

Nicola Team

MLO ID# 92186 | Jeff Nicola  

As mortgage professionals we understand how important it is to choose the right lender. With our passion to helping people and experience, we pride ourselves in the attention to detail and dependability for each and every loan we touch. We work with you making the entire process simple from start to finish. Bay Equity helps with the transaction to run smoothly with our state-of-the-art technology, with this, we can allow borrowers to have access to their loan at any time.

Whether you are buying or refinancing, building your dream home or buying your first home, we can explore with you the many options for financing. We invite you to apply on-line, or contact us to set up an appointment. Either way you will get our immediate and personal attention.

Our amazing team

Jeff Nicola

Jeff Nicola

Area Sales Manager

MLO ID#92186

Kellie Graves

Kellie Graves

Business Operations Manager

MLO ID#121230

John Schindel

John Schindel

Loan Officer

NMLS ID#2059364

Kathleen Barber
Kathleen BarberLoan Processor

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.