Rick made the whole process easy and less stressful, he helped me with any questions I had and guided me in the right direction.

Racquel M.

Rick Najjar

Loan Officer

NMLS ID# 12815

(978) 709-3009
245 Tully Road
Orange, MA 01364

I have been a mortgage originator since 1982, giving me almost 40 years of experience originating loans. Bay Equity has been able to fit all my customers’ needs the best with their many different programs (conventional, FHA, USDA, VA, and others).

My customers are very important to me because most of them become like family and good friends that seek me out for my experience and knowledge. My involvement in the loan process is very hands on 24/7, I answer all my customers’ questions thoroughly to make them feel more at ease.

I deeply value my relationships with my past customers (some 3 generations strong), which demonstrates the strong bonds I have established with my borrowers throughout the years. 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.


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.

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.