We're here to get you home.

The Allen Team

NMLS ID# 452448 | Cindy Allen  

Thanks for visiting our web site. As a lending professionals at Bay Equity, We are dedicated to helping you with all of your home mortgage needs.

The housing and mortgage markets are constantly changing. We 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, we can explore with you the many options for financing.

You are invited to apply on-line, or contact us to set up an appointment. Either way you will get our immediate and personal attention.

Our amazing team

Lois Goossens
Lois GoossensLoan Officer Assistant - NMLS ID# 452447
Sylvia Cruz-Jacobson
Sylvia Cruz-JacobsonSenior Loan Processor
Cindy Allen
Cindy AllenSenior Loan Officer - NMLS #452448

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.

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.

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!