We Want To Spread Christmas Joy This Holiday Season

Looking to our clients, friends, and family for help

Make A Nomination Below! Please Enter Your Contact Information, & The Information For The Family You Are Nominating.

Operation Bay - Spreading Joy!

To make this holiday season up close and personal we are asking for you our clients, friends and family to nominate a family who could use a hand up to celebrate this Christmas holiday.

Please complete these questions and our committee of Bay's Elves will choose 3 families to participate in our campaign to spread Joy in 2021.

Real Estate - Bay Equity Home Loans

About Ray Ferguson

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.

Ray Ferguson

NMLS ID# 310201

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

The lending professionals at Bay Equity Home Loans are dedicated to helping you will all your home mortgage needs.

With our constantly changing housing and mortgage markets, we can help you navigate the many options to find the right loan to fit your family, your needs and your financial circumstances.

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