The Rattray Lending Team is here for you every step of the way!

Zack Rattray

Senior Loan Officer

NMLS ID# 670184

3450 Bonita Road
Suite 108
Chula Vista, CA 91910

As lending professionals at Bay Equity, Zack and Jericha 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 will 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.

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.

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