"Great communication and explanation every step of the way from Todd and the entire team."

Jonathan - San Diego

Todd Struyk

Branch Manager

NMLS ID# 223161

My commitment is to spend the time to help you review and choose the correct loan for your unique financial situation. On every transaction it is important to analyze what is best for your goals whether you are a first-time buyer, purchasing a larger home, downsizing your home, buying an investment property, or refinancing your current property. A mortgage loan is one of the most important decisions you will make, and we give you the dedication needed to make the best decision possible.


Through the two decades I have been in this business, I have received numerous recognitions and awards, and this just means that I have the experience and expertise you need. I've earned San Diego Magazines Five Star Mortgage Professional designation for the past eight consecutive years. These awards are a direct result of feedback from my past clients. I've also achieved top spots in the Scotsman Guide’s list of Top 225 Mortgage Originator’s in the country and Mortgage Executive's Top 1% of Mortgage Originators in the Nation. Most recently I was awarded Bay Equity’s 2020 Chairman's Circle #1 Loan Officer in California and a prestigious place as one of the Top 7 Loan Officers in the company.

Bay Equity offers convenience and efficiency, utilizing the top in cutting-edge technology, easing the loan process, and providing the utmost confidentiality. But we have not forgotten the importance of personal customer service!


Homebot is our customizable ROBOT that helps you keep track of your most important purchase. Receive a personalized monthly report tracking your home value, mortgages and market conditions and it gives you smart information on strategically paying your principal payments plus it tells you how much you can rent your home for on Airbnb.

Scroll down to: WHAT'S YOUR HOME WORTH? to get started.

My amazing team

Luisa Rosas-Ferguson
Luisa Rosas-FergusonArea Sales ManagerNMLS ID#376165
Todd Struyk
Todd StruykBranch ManagerNMLS ID#223161
Chris Rocco
Chris RoccoBranch ManagerNMLS ID#666462
Isabel Vasquez
Isabel VasquezLoan Processor
Robert Yee
Robert YeeLoan Processor
Stacey Lealcala
Stacey LealcalaProduction ManagerNMLS#1873494
Cheri Hass
Cheri HassProcessing Assistant

Loan Calculators

Use the calculator links below to help plan your home purchase or refinance.

Please note, the results are only estimates. Talk to your Loan Officer to get an official figure. We're here to get you home.

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!