"Strive not to be a success, but rather to be of value."

–Albert Einstein

Ray Ferguson

Senior Loan Officer

NMLS ID# 310201

(619) 678-1130
3450 Bonita Road
Suite 108
Chula Vista, CA 91910

Looking back 26 years ago when I started in the Lending industry, I feel grateful to have had the opportunity of helping hundreds of families achieve their dream of home ownership.

Whether it is guiding families through the process of buying their home for the first time, refinancing or helping experienced home owners finance their investment properties, I am committed to ensuring your experience is special and exceptional. My entire team brings a wealth of knowledge, experience and expertise in this forever changing housing and mortgage market. We live and work in this community and take pride in what we do and how we do it. Click Here for a great GUIDE TO HOME LOAN SUCCESS with loads of information on the home loan process.

Our approach is simple, if you’re satisfied, we’re satisfied. Each customer has a unique situation and we will explore the many options for financing, so together, we can determine the best direction for you and your family.

Bay Equity Home Loans is family owned and operated.  Since Bay Equity is a direct lender, all lending decisions are made in-house.  We know each loan we touch is someone’s home and we know how important it is to you. Let us help you achieve your dreams and goals starting today. 

Apply on-line, or contact me to set up an appointment. I look forward to hearing from you.


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.

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!


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.