Bay Equity Home Loans 445 Marine View Avenue, Del Mar, CA 92014

"Mike Rafii and his team at Bay Equity Home Loans were amazing. They made home ownership a reality for my family and I. They held our hand every step of the way. Their professionalism and timely communication were outstanding!"

"Super fast and smooth process. Worked with Mike, Rich and their team through the entire loan process, they are super patient and knowledgable, and fast in response, even during night. I also requested closing few days prior to the expected closing date, and the team is able to prep all the doc in time, and able to close successfully! Highly recommended!"

"This is the second time I work with Ed and I have only amazing things to say about him. Buying a house is a very stressful process and I will never forget when we bought our first house, what we felt when Ed joined our team. He not only finds you the best rate, he takes all the time to guide you through the whole process and makes sure that you understand all the steps and feel comfortable the whole time. We are so happy we were able to work with Ed again this time, he definitely has your back. I extremely recommend his services and hope we can work together in the future."

"This was the best mortgage experience I had. Mike was easy to work with, kind, very knowledgeable, was able to work through every challenge we faced, and diligently got us to closing. The best broker out there in my opinion. We are so thankful we had the opportunity to work with him and will definitely do it again. We are so thankful for him and his team!"

"As a first time home owner, I can't say enough good things about Mike Rafi and the team at Bay Equity. I read everything, and asked a lot of questions, and got answers to every one. Every time I had a question, I was able to quickly get information via an email, or hop on a call. The team at Bay is super responsive. This was the primary reason I went with them in the first place. Mike and the team made this a very educational, and stress-free experience. I would recommend them, and I would definitely use them again next time I'm buying a house. 5/5 stars!"