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  Bay Equity Home Loans

Bay Equity Home Loans

in Home Purchase Mortgages from Bay Equity · NMLS ID #76988

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Bay Equity Home Loans

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in Home Purchase Mortgages from Bay Equity · NMLS ID #76988

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Highlights
Highlights
Loan Amount $100,000 - $5,000,000
Loan Term (Years) N/A

Bay Equity Home Loans Review

Bay Equity Home Loans is offered by Bay Equity (NMLS #76988), a direct lender founded in 2007 and based in Sausalito, CA. Bay Equity Home Loans is available in 21 states across the USA.

Bay Equity Home Loans FAQ

How much can you borrow via Bay Equity Home Loans?

Bay Equity Home Loans allows borrowers to apply for loan amounts of up to $5,000,000. Note that the maximum loan amount you can borrow will also vary depending on the type of mortgage you choose, regardless of the lender you choose.

Does Bay Equity Home Loans charge a mortgage origination fee?

Yes, Bay Equity Home Loans may charge a loan origination fee.

What mortgage programs does Bay Equity Home Loans offer?

Bay Equity Home Loans offers the following mortgage types:

  • Conventional mortgages: This includes any mortgage that is not insured or guaranteed by the federal government.
  • FHA: Mortgages insured by the FHA, which usually have less stringent eligibility requirements, but borrowers must pay a mortgage insurance premium. Co-applicants are allowed and you can qualify for a down payment as low as 3%.
  • HARP: A mortgage refinance program for home loans owned or backed by Fannie Mae or Freddie Mac. No minimum credit score or value appraisal required.
  • USDA: A zero down payment mortgage loan with low rates for suburban and rural homebuyers.
  • VA: A zero down payment mortgage or a refinance of up to 120% of the home's value for American military members, veterans, and their spouses.

What property usage types does Bay Equity Home Loans allow?

Some mortgage lenders restrict the type of usage borrowers give mortgaged properties. Bay Equity Home Loans allows the following property usage types: 

  • Primary home
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Other Services by Bay Equity

Availability

  Available in 21 states
  • Alabama
  • Arizona
  • California
  • Colorado
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Louisiana
  • Michigan
  • Minnesota
  • Nevada
  • New Mexico
  • North Carolina
  • Oregon
  • South Carolina
  • Tennessee
  • Utah
  • Washington
  • Wisconsin
  • Wyoming

Feature Breakdown

Intended Use Primary Home
Estate/Trust/Retirement  
Primary Residence  
Loan Amount $100,000 - $5,000,000
Interest Rate Types Offered N/A
Mortgage Programs
  • FHA
  • HARP
  • USDA
  • VA
Terms 10, 15, 20, 30

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