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<form id="headerFindLoanOfficer" action="/find-your-loan-officer" method="GET"><label for="searchLoanOfficer">Find your loan officer</label><input type="text" id="searchLoanOfficer" name="query" placeholder="Find your loan officer"></form>

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Bay Equity Home Loans



 * First-Time Homebuyer
   * Get Started
 * Current Homeowner
   * Home Loans
   * Specialty Loans
   * Refinance
 * Tools & Resources
   * Loan Calculators
   * FAQ
   * Blog
   * Servicing
 * About Us
   * Corporate Leadership
   * Sales Leadership
   * Careers

Find your loan officer
Make a Payment
We’re here
to get you home

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Bay Equity Home Loans remains open for business and serving the needs of our
borrowers. As a full-service mortgage lender, we can help with whatever your
home loan needs may be.


NOT SURE WHERE TO START?

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JUST LOOKING?


FIRST-TIME HOMEBUYER?


BUYING AGAIN?


REFINANCING?


ALL THE EASE OF ONLINE

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We understand the home loan process can be daunting, so we’re here to support
you all the way through. From a home loan to a home refinance, we’re proud to
offer a secure application process that you can easily complete on your
smartphone or computer.

Want to make it personal? Contact one of our outstanding loan officers to
personally guide your journey, step by step.
Find Your Team


LOAN CALCULATORS

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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.

Mortgage CalculatorHome Rent vs BuyHome AffordabilityMortgage Required
IncomeHome Refinance

MORTGAGE CALCULATOR

How much will your monthly mortgage payment be? Use this calculator to figure
out your monthly payment, including your mortgage's principal and interest
payments as well as insurance and taxes. (Please note: The default rate
displayed below is based on the national daily average and may vary in your
location. Consult your Loan Officer for more information.)
Loan Information
Home price

$500.000
Down payment

$60.000
Loan term
10 years 15 years 20 years 30 years
Interest rate

Assumptions
Include PMI

Include Taxes & Insurance
Property tax

$5.550
Home insurance (annual)

HOA dues (monthly)

Your estimated monthly mortgage payment is $2.885.

Breakdown Schedule

P&I
Taxes
Insurance
PMI
Total$2,885


Disclosure

This material is provided for general and educational purposes only; it is not
intended to provide legal, tax, or investment advice



HOME RENT VS BUY CALCULATOR

How much does it cost to buy versus to rent? Use this calculator to compare the
cost of buying and renting over the coming years. (Please note: The default rate
displayed below is based on the national daily average and may vary in your
location. Consult your Loan Officer for more information.)
Housing costs
New home purchase price

Down payment

$50.000
Expected monthly rent

$1.500
Mortgage info
Put in an estimated Interest Rate

HOA fee

Annual property tax rate

Maintenance cost

Purchase costs percent

Future seller costs

Homeowners insurance

Marginal tax rate

Annual renovation cost rate

Rental info
Renting utility costs

Brokers fee

Renters insurance cost

Assumptions
Expected home value increase

Expected rent increase

Investment rate of return

Tax filing status
Single Married
Deposit

Buying will never be cheaper than renting.

Total cost Comparison



Disclosure

This material is provided for general and educational purposes only; it is not
intended to provide legal, tax, or investment advice



HOME AFFORDABILITY CALCULATOR

How much home can you afford? Use this calculator to determine the home price
and monthly housing cost you can afford. (Please note: The default rate
displayed below is based on the national daily average and may vary in your
location. Consult your Loan Officer for more information.)
How much home can I afford?
Annual Income

Down payment

Monthly Debts

Loan term
10 years 15 years 20 years 30 years
Interest rate

Advanced
Debt-to-income

Home Insurance

Property tax

HOA Dues

Include PMI

You may be able to afford a home worth $269.443, with a monthly payment of
$1.600.

Monthly Payment Breakdown

Disclosure

This material is provided for general and educational purposes only; it is not
intended to provide legal, tax, or investment advice



INCOME REQUIRED FOR A MORTGAGE

How much do you have to make to buy the home you want? Use this calculator to
determine the annual income required to qualify for the mortgage you want and
the monthly payment you'll owe. (Please note: The default rate displayed below
is based on the national daily average and may vary in your location. Consult
your Loan Officer for more information.)
Loan Information
Purchase Price

$250.000
Down Payment

$50.000
Loan amount
$200000.00
Loan term
10 years 15 years 20 years 25 years 30 years 35 years 40 years
Interest rate

Advanced
Monthly liabilities

Taxes

Insurance

HOA

PMI

Your annual income should be $95.838 or higher with a maximum monthly payment of
$2.236.

Home price by down payment

Disclosure

This material is provided for general and educational purposes only; it is not
intended to provide legal, tax, or investment advice



HOME REFINANCE CALCULATOR

How much could you save by refinancing your mortgage? Use this calculator to
figure out how much you could reduce your monthly and total loan payments if you
refinance your mortgage. (Please note: The default rate displayed below is based
on the national daily average and may vary in your location. Consult your Loan
Officer for more information.)
Current Loan Information
Remaining balance

$200.000
Interest rate

Monthly payment

New Loan Information
Loan term
10 years 15 years 20 years 30 years
Interest rate

Closing costs

$6.000
Refinancing your mortgage could reduce your monthly payment by $206, and reduce
your total payment by $0 over 30 years.

Monthly Payment Total Payment



Disclosure

This material is provided for general and educational purposes only; it is not
intended to provide legal, tax, or investment advice




NEED SOMETHING SPECIFIC?

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ADJUSTABLE RATE MORTGAGE


FIXED RATE MORTGAGE


FHA LOAN


JUMBO LOAN


VA LOAN


USDA LOAN


FIND YOUR
LOAN OFFICER

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With hundreds of local teams across the country, chances are pretty good we’re
in your neighborhood.
Look us up.

Find Your Team



WE’RE HERE
TO GET YOU HOME

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Bay Equity is a full-service mortgage lender that prioritizes personal
relationships. Your needs, first.

Founded in 2007 and licensed in 48 states and DC, we understand that behind
every loan stands someone’s home.

Learn More


WHAT PEOPLE ARE SAYING

“Bay Equity made buying our first home easy. Very informative and helpful
throughout the process. Thank you so much!”
- Zoe E
“Amazing communication, really simple process, super friendly and just as
excited for our new home as we were.”
- Cindy C
“Everyone was kind, friendly and helpful. I would recommend them to anyone who’s
looking to buy or sell a home.”
- Heidi E
“Very professional and the communication was incredible. Thank you!”
- Carl E




BAY EQUITY LLC

NMLS ID# 76988
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This site is not authorized by the New York Department of Financial Services and
is not intended for use by consumers in the state of New York.

Bay Equity Home Loans may not be the lender for all products offered on this
website. Some Loans may be made by a lender with whom Bay Equity Home Loans has
a business relationship.


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800.BAY.3703
770 Tamalpais Drive, Suite 207
Corte Madera, CA 94925
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