Raul Espinoza

Senior Vice President of Strategic Growth and Technology

NMLS ID# 283651

F:
(415) 762-5485
A:
633 West Fifth Street
26th Floor, Office 2688
Los Angeles, CA 90071

As a lending professional at Bay Equity, I am dedicated to helping you with all of your home mortgage needs.

The housing and mortgage markets are constantly changing. I can help you navigate the many options to find the right loan for you and your family.

Whether you are buying or refinancing, buying your first home or building your dream home, I can explore with you the many options for financing.

You are invited to apply on-line, or contact me to set up an appointment. Either way you will get my immediate and personal attention.

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.

Built on family and forward-thinking


This video is about our start and our technology-driven relationship with Microsoft.