We work to give our Clients, our Loan Officers and our Business Partners the best loan products and always with our signature 5 Star Service…

Rick Jones

Rick Jones

Regional Sales Manager

NMLS ID# 236503

445 Marine View Avenue
Suite 200
Del Mar, CA 92014

Originating loans in San Diego has been Rick's passion for more than 28 years!

Rick and his team of Loan Officers joined Bay Equity Home Loans after successfully running a boutique mortgage company, CalPacific Mortgage, since 1992. Bay Equity provides our clients with a broad platform of loan choices, competitive rates, and fast, sensible and local underwriting decisions.

As a producing Regional Manager, Rick provides his sales staff with proven strategies and business resources to guide them in growing their business. Recognized for leading achievements in the lending industry, Rick was consistently in the TOP 1% of Mortgage Originators in the nation.

As a full-service lender we provide our clients and business partners with HOMEBOT an online service to keep you engaged with the equity in one of your largest assets…your home. Click below to sign up or just give me a call for more information!

Bay Equity is one of the fastest growing lenders in business today. The experience and knowledge of our Executives, Managers, Loan Officers and Operations are paramount in handling all the details involved in mortgage financing to serve our clients and business partners best.


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.


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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.