Professional Mortgage Bankers and Loan Officers serving our Phoenix Community through education and performing at the highest possible level…

Ross Team

NMLS ID# 179446 | Tom Ross  

Thanks for visiting my web site.

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.

Our amazing team

Julie Bolden
Julie BoldenProduction Coordinator
Tom Ross
Tom RossBranch ManagerNMLS #179446
Jonathon Keenan
Jonathon KeenanSenior Loan OfficerNMLS #14061
Eduardo Padron
Eduardo PadronLoan OfficerNMLS #886419
Justin Volpone
Justin VolponeLoan OfficerNMLS #1964381
Courtney Crowder
Courtney CrowderLoan OfficerNMLS #1708919

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.