When buying a house or refinancing it can be very stressful because I'm dealing with a lot of money. Ray Ferguson really puts my mind at ease. I truly feel he has my best interest at heart when dealing with him. Thank you Ray for everything you do.

Best experience ever! This is my third house purchase, but only first time with Bay Equity... my only regret is that I didn’t work with this company before. Ray and team were wonderful the whole way through the process... they worked hard to get me the best rate and get my loan closed quickly— I’m beyond impressed. Ray took time to keep me updated and also worked hard to get this closed quickly. Great communication and impressive work in such a short time. Good rate, great service, and exceeded my expectations. Thanks for everything.