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  • NMLS #310201
Business Hours
Monday
8:00 AM to 5:00 PM
Tuesday
8:00 AM to 5:00 PM
Wednesday
8:00 AM to 5:00 PM
Thursday
8:00 AM to 5:00 PM
Friday
8:00 AM to 5:00 PM
Saturday
closed
Sunday
closed

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Pacific Time
Disclaimer
Bay Equity LLC | Equal Housing Opportunity. This is not a commitment to lend or extend credit. Restrictions may apply. Rates may not be available at time of application. Information and/or data are subject to change without notice. All loans are subject to credit approval. Not all loans or products are available in all states. Bay Equity LLC, 770 Tamalpais Drive, Suite 207 Corte Madera, CA 94925; NMLS ID#76988 | NMLS consumer access: www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/76988 Licensing details: www.licensing.bayeq.com
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5.0
Encompass
J
Jeff A C
Corona, CA
Posted on February 22nd, 2024 06:19 PM
Loan done in 21 days!
5.0
ManualUpload
G
Gabriella A
San Diego, California
Posted on February 7th, 2024 09:22 PM
All The Great Things about working with YOU all these Years! Let me count the ways.....Your Straight to the point, Kind, You Go above and beyond on Every Loan despite of any obstacles on long the way. I know People use the word Honest but not...
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Reply from Ray Ferguson
February 7th, 2024 09:28 PM
WOW! I feel blessed to have you in my life and to work with you
5.0
ManualUpload
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Ramon T
Chino Hills, California
Posted on February 6th, 2024 09:45 PM
Ray Ferguson goes above and beyond to help our clients. He is very knowledgeable and his experience speaks for itself. A lending partner you can trust.
Reply from Ray Ferguson
February 6th, 2024 09:52 PM
Thank You sir. I really appreciate having the opportunity to work with you and your clients. I always try to put the client first and appreciate the same about you.
5.0
Encompass
D
Donald P
Running Springs, CA
Posted on January 11th, 2024 01:06 PM
Fast response and great step by step communication throughout the entire process.
Reply from Ray Ferguson
January 11th, 2024 06:11 PM
Thank you for your trust in me and for your business. It was a pleasure to be of service to you.
5.0
Encompass
P
Paul M M
Chino Hills, CA
Posted on January 4th, 2024 10:17 AM
Ray returned calls and supported my mom along the way. He went over and abve his responsibilities to ensure we felt takn care of.
Reply from Ray Ferguson
January 11th, 2024 06:12 PM
Thank you so much for your stellar review, Paul. I'm delighted that I was able to assist your mom and provide the level of service you both deserve. It's my goal to ensure all my clients feel taken care of at Bay Equity Home Loans. Your feedback...
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5.0
Encompass
E
Elizabeth R
Banning, CA
Posted on January 1st, 2024 06:27 PM
Ray was amazing. He had my loan fully approved in less than ten days. I've bought several homes in my life but never had it been as easy as it was this time around. He literally "dazzled" me and that's not easy to do! I'll refer Ray to all...
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Reply from Ray Ferguson
January 11th, 2024 06:13 PM
Thank you so much! It was a real pleasure to be able to work with you and make this happen. I look forward to working with you in the future!
5.0
Encompass
Y
Yonic R
San Diego, CA
Posted on December 26th, 2023 05:51 PM
Communication and transparency
Reply from Ray Ferguson
January 11th, 2024 06:15 PM
It was a pleasure to work with you! Thank YOU for the trust in me.
4.16
Encompass
J
Jia L F
Rancho Cucamonga, CA
Posted on December 2nd, 2023 03:43 AM
Genuinely Ray’s service was very good !
Reply from Ray Ferguson
January 11th, 2024 06:15 PM
Thank you for your trust and business. It was a please to work with you and your family
5.0
Encompass
B
Baron K W
Moreno Valley, CA
Posted on October 20th, 2023 04:45 PM
Ray was very understanding in what are needs were in this home buying processing. He explain every detail when it came to what we need our monthly mortgage to be. He work his MAGIC FINGERS to get our numbers to where they needed it be. I would...
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Reply from Ray Ferguson
January 11th, 2024 06:16 PM
thank you! So happy we were able to make this all work out for you and your family. It was a pleasure to get to work with you and know your family a bit
5.0
Encompass
S
Sabah S
Irvine, CA
Posted on July 29th, 2023 06:06 PM
Ray is the most experienced lender i have ever met. If he promises something that means he will do . He is honest and very knowledgeable he did my closing very quick which is not possible with any other lender i had spoken toHe explains things...
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Reply from Ray Ferguson
January 11th, 2024 06:18 PM
So happy we were able to make your transaction happen for you and your family. It was a real pleasure to have the chance to earn your trust

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