Contact David Horton
Bay Equity LLC. Equal Housing Lender. 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, 28 Liberty Ship Way Suite 2800, Sausalito, CA 94965; NMLS ID#76988 Alabama Consumer Credit License #22011; Arkansas Combination Mortgage Banker-Broker Servicer License #101024808; Arizona Mortgage Banker License #0910340; Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act- #4150077 ; Colorado Mortgage Company Registration #76988; Florida Mortgage Lender Servicer License #MLD1014; Georgia Residential Mortgage Lender Licensee #39887; Hawaii Mortgage Loan Originator Company License #HI-76988 | Hawaii Mortgage Servicer License #MS139; Idaho Mortgage Lender Broker License #MBL-7852; Illinois Residential Mortgage License # MB.6761094 and #6850059; Bay Equity Home Loans, 28 Liberty Ship Way, Suite 2800, Sausalito, CA 94111-4516, Illinois Residential Mortgage Licensee; Indiana DFI First Lien Mortgage Lending License #27854; Kansas-licensed Mortgage Company, Kansas Mortgage Company License #MC.0025218; Louisiana Residential Mortgage Lending License #76988; Michigan 1st Mortgage Broker/Lender/Servicer Registrant License/Registration #FR0019946, Michigan 2nd Mortgage Broker/Lender Registrant License/Registration #SR0019969; Minnesota Residential Mortgage Originator License #MN-MO-76988.1. Minnesota Residential Mortgage Servicer License #MN-MS-76988.2; 800 E. 101st Terrace, Suite 350, Office 347 Kansas MO 64131, Company Registration #18-2375; Montana Mortgage Lender License #76988; North Carolina Mortgage Lender License #L-168181; North Dakota Money Broker License #MB102667; Nebraska Mortgage Banker License; New Mexico Mortgage Loan Company License; Nevada Mortgage Broker License #3918; Licensed as a Mortgage Lender by the Oklahoma Department of Consumer Credit. Oklahoma Mortgage Lender License #ML002582; Licensed under Oregon Mortgage Lender License #4845; South Carolina BFI Mortgage Lender/Servicer License #MLS-76988, OTNN#1; South Dakota Mortgage Lender License #ML.05120; Tennessee Mortgage License #119622; Texas SML Mortgage Banker Registration #76988 . Texas Recovery Fund notice, Click Here: https://texreg.sos.state.tx.us/fids/201203137-2.pdf ; Utah DRE Mortgage Entity #7953347, #8895148, #8895149; Washington Consumer Loan License #CL-76988; NMLS ID#76988, click here: www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/76988; Wisconsin Mortgage Banker License #76988BA; Wyoming Mortgage Lender/Broker License #2558 | NMLS consumer access: www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/76988
About David Horton
Since I was first trained as a loan officer in 1979 for the mortgage industry I often look back to reflect on the wonderful people and home owners I have worked with, met and helped provide mortgage financing for. It is my pleasure to continue to produce loans and work with home buyers and home owners needing mortgage financing. Many of these customers are referred to me from real estate agents that have trusted me and Bay Equity to provide the quality service needed. Additional referral sources include builders, tax advisers, attorneys, financial planners and past customers. Bay Equity is a California based, family owned direct lender approved with FHLMC, FNMA, GNMA (conventional, FHA and VA loans) and other institutional vendors. Whether it was my first home loan closing for a home buyer (about $73,000 in 1979) or a loan of $2,600,000 in the recent few years it is never about the numbers but the people I have worked with over the years. I was told initially when I was entering the business being detailed in your work is only part of the job. Understanding how to qualify borrowers by reviewing documentation carefully is vital to my job but most important is communicating consistently to each borrower, agent and others involved in a transaction. Communicating means being available when needed. Answering the phone and following up is what my team does. Recently I have become affiliated with Loans To Heroes. This is a program that as a lender we give back to our veterans with reduced closing costs. Working with the military personnel providing VA loans has been inspiring throughout my career. Teachers, police, fire fighters and medical professionals are also eligible for the Loans To Heroes benefits. In 1983 I accepted my first managing position in the mortgage industry. Hiring and training loan officers with one goal in mind has been enjoyable and rewarding. That goal was to help our newest loan officers achieve the proper training and mentoring I could provide on a daily basis. This continues as well today. Since 1979 I have had the pleasure of working closely with real estate agents and other referral sources. Developing a lasting relationship built on trust, performance and integrity has helped me build my business. Finally, my team at Bay Equity has over 100 years combined lending experience and we look forward to helping you on your next transaction. We strive to turn loans around quickly and efficiently so the home buyer can enjoy the benefits of home ownership sooner.