Ray Ferguson – Bay Equity Home Loans

Ray Ferguson and his team are informative, friendly, thorough, and supportive. They make the home buying experience smooth and comfortable. So happy we had them with us through this adventure!

Ray Ferguson and his team at Bay Equity are extremely professional and knowledgeable with home loans. Ray’s comprehensive background in the home loan industry is very impressive and he keeps current with the ever-​changing industry.
As a realtor, my clients’ need and their satisfaction are my priorities. I pride myself by surrounding my business with the best and highly reputable professionals in the industry. With that said, Ray Ferguson is recommended to all my clients for their home loan needs. He has proven himself to be insightful and reliable. My clients have been completely satisfied with his service and his dedication to the process.
Ray and his team have extensive knowledge of the first-​time home buyer programs. They have helped many first-​time home buyers achieve their dreams of home ownership.
Thank you Ray for all your help with my clients!

I highly recommend Ray and his team at Bay Equity. Being first time home buyers can be overwhelming and stressful at times. Ray and his team made that process easier and less stressful for us, they helped walk us through every single step and they did a great job explaining the things we didn’t understand as first time home buyers. He was also extremely patient with our unrelenting questions and they worked double time to get us into our home by the new year. Once again I highly recommend and would personally use them again. Thanks to the team again for getting us in our home for the new year.

Ray came highly recommended to us by our Realtor. We now know why. He is very knowledgeable. As first time home buyers, we had lots of questions and concerns. He answered all our questions, settled our nerves and was just a great person to have on our side throughout the whole process. We were in an offer battle dealing with the sellers’ agent and lenders and even though Ray was on vacation, he made sure we were well taken care of. His whole team is also amazing. I would recommend them to anyone who’s looking to buy!

I have been working with Ray at Bay Equity since we purchased our home in 2009, from original purchase to refinancing our FHA into a conventional with no PMI. His knowledge, advise & personal interest helped us drop our mortgage payment almost $ 300 in less than 5 years! He and his team have always been really great to work with, great personalities & easy to talk to. He always followed through with what he said that he was going to do & kept in contact throughout the whole process.
So if you are in need, I would say give them a call. They definitely worked to find us the best rates & mortgage out there!

It is always a pleasure to do business with Ray Ferguson and his team at Bay Equity Home Loans. My office has referred Ray to many of our clients and they always say he is a wealth of information and is able to get the most complicated loans approved.

Ray and his team at Bay Equity made the transition into my first home seamless and less daunting than anticipated. He was attentive to my concerns and offered professional guidance that has made me a satisfied and happy homeowner. Closing escrow was not the terminus of customer service but has been tended to post financing process. I would highly recommend Ray and his staff to anyone seeking such services.

Ray is the best! My husband and I had no idea where to start with the loan/​home purchase process. Ray made it so quick and easy and did all of the work for us basically! Even after the home was purchased and we had questions he has always been willing to help. Highly recommend.

Ray Ferguson did an awesome job with my loan. He was able to close escrow in less than 25 days. He and his team were efficient and very thorough with my clients. Happy clients and a fast closing equals a successful closing. Don’t hesitate to give him a call.

Ray Ferguson from the Chula Vista branch was wonderful to work with! Not only was he able to close the loan in less than a month, he was very helpful, respectful, positive, honest, and diligent the entire time. He kept in constant communication with us, followed through on everything he stated, and most important of all, we were able to get the house we loved. He showed us what options we had for purchasing the house and he helped us select what was best for us! I will be recommending him to all of my coworkers, classmates, friends and family that are looking to purchase a home.
Ray:
Thank you for your sincere dedication to help our family have a wonderful home.

Thank you Ray Ferguson and Bay Equity for such a wonderful job on getting a loan for my buyers the DABU Family. The Dabu’s are extremely satisfied with everything and are so happy to finally get into their first home. We understand that the process may have hit a few kinks but your team was able to make it happen. We have no complaints with your office and will continue to refer more business to you. On behalf of my buyers and myself, I would like to send my sincere gratitude to Bay Equity, Ray Ferguson, Robert Yee and Isabel Vazquez on a great job well done. Looking forward to a continued relationship.
5RG Realty
Rommel Reyes

Ray helped us with probably one of the most difficult loans ever. He did not give up on the loan or us. He went above and beyond and made us feel confident throughout the whole process.
His communication is great. I was able to get a hold of him whenever I needed to. He even called me back after his wife and him just had a baby.
I feel like he personally cares and wants to get your loan done no matter what. Definitely would highly recommend him to anybody.

We had a guy from guild mortage to find us a loan. He was so rude and when we had a counter offer on a home he basically said no he couldn’t do anything to help us. We were frantic and needed a loan officer asap and long story short we met Ray and had a 360 degree experience from the last guy! Ray and his team are the best and work with you and help you find a loan for your dream house. Don’t go with anyone else seriously they are the best!

Bay Equity is awesome. Ray Ferguson is by far amazing! I did a refi on a property I inherited at the same time I did my first purchase on my new home. He did both loans for me and busted his butt to get everything done the way I wanted and expected it. He was never rude, always patient and went above and beyond. I will always refer friends and family to him and as a matter of fact, I have 2 coworkers that are currently purchasing homes with his help! Kudos to you Bay equity, keep making peoples dreams come true!!!

I disagree completely with Jacalyn B. Ray Ferguson and Lou De Cerda worked tirelessly to help me get my home. They saved me $ 5000 that the negotiator tried to make me pay. Both gentlemen went above and beyond to help me secure my new home. I highly recommend them both if you are looking for a new place. Lou (Realtor) will help you find the right home and Ray will get you financed! Check them out for yourselves… I’m completely happy that I did!!!

Completely AWFUL. The branch manager, Ray Ferguson, was one of the rudest people I’ve ever spoken to. He actually told me he has no boss (even though there is a corporate office in San Fran.), refused to provide the corporate office number, and hung up on me. Their communication is AWFUL. Run FAR FAR AWAY and do your business elsewhere.