Bay Equity Home Loans Bonita Rd, Chula Vista

Ray was incredible. He made a process that we were unsure of easier than we could have imagined. Any time i had a question for Ray, his response was immediate and clear. Rays team was very helpful and we couldn't be happier with our first home buying experience! - Nate and Mariah Howard

Ray came highly recommended after other lenders did not have the knowledge or experience to process a transaction. I am so thankful that Ray knew exactly how to move forward after our first meeting. We closed in less than a month! He was easy to work with, excellent communication, very helpful. I highly recommend him!

Ray not only helps you understand every facet of the process but goes above and beyond to make you confident in your situation. The entire process felt like a partnership and I had 100% full trust from the beginning to funding the loan to closing.

I am a first time home buyer. Ray was referred by my realtor. He was very knowledgeable and explained the steps in the loan process. Ray and his team were always available and communication was excellent. They were open to any questions and addressed any concerns that i had. I felt really comfortable talking to them. The whole process from pre-approval to closing was very smooth. He was able to give us the best rate for our loan. I am so glad that Ray was there to help us in becoming homeowners.

Ray Ferguson has got to be one of the very best in his field. Now I know why he is in the top 1%. Being a Realtor for 33 years, I have worked with quite a few lenders over my career and by far Ray is the person I would recommend to all of my family, friends and clients in the Southern California area. After discussing my goals, he came up with the best program for me and my property. He is the lender you want to contact--trust me!

Best experience ever! This is my third house purchase, but now second time with Bay Equity... my only regret is that I didn’t work with this company from the beginning. 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 made sure his processor did as well. Great communication and impressive work in such a short time. Good rate, great service, and exceeded my expectations. Thanks for everything... see you all next time!

We've had the pleasure to work with Ray and team at Bay Equity. We have had need of multiple mortgage loans throughout the years and Ray has been they only person that has been able to follow throug on his commitments. Honest, trustworthy, fair!! Thank you for everything Ray LYDIA and Andrew Lachman

I've worked with Ray several times now, he has assisted me in refinancing my homes - both my primary residence and investment homes. Ray has always been a fair and honest businessman, responded to my questions/concerns quickly and made the process very fast. I will continue to return to Ray and his team for any further real estate matters!

Doing business with Ray and his team is always a pleasure. He's helped me out several times over the years. Most recently he refinanced my residence and my investment property at amazing rates. There's never any nonsense and he gets right to the point. He's a great guy that is always looking out for my family’s best interest!

I have had to do mortgages a few times due to having to move, but Ray Ferguson is easily the best mortgage officer in my experience. So helpful with my refi. Not just a paper filer, but a person really on your side who makes it work for you. I would only use Ray in the future.