Message from Rick Costa

Greetings from Rick Costa at Bay Equity Home Loans. In the spirit of home, family, community and financial well-being, we are thrilled to offer you, your friends and family cost saving benefits when obtaining a home loan. With over 30 years of experience, I specialize in purchase loans and first-time homebuyers with minimal down payment. You are invited to apply online or contact me to set up an appointment. Either way you will get my immediate and personal attention. Rick Costa at Bay Equity Home Loans - (707) 529-3374 or

About the Program

Bay Equity Home Loans is a local mortgage lender regularly recognized for growth and service in the Industry and several other publications. This dedicated and experienced team is looking forward to serving your refinance and purchase needs. Your employees and family members automatically qualify for the following discounts:

  • Appraisal fee credited at closing
  • Highly competitive rates
  • Complimentary credit review
  • .25% credit to loan fees
  • Discounted Realtor fees
  • Superior service levels and quick closing
See your estimated savings Provide your contact and loan info to calculate your estimated savings
Estimated benefit is
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Loan Amount -
Credit to Loan Fees -
Credit from Realtor -
Cost of Appraisal -
*Calculation is an estimate based on customary realtor commissions and splits. Savings example above is for education purposes only and subject to change based on transaction specifics, including but not limited to: purchase price, loan amount, etc.
Estimated benefit is
About Bay Equity

Bay Equity is family owned and operated and committed to providing borrowers with exceptional customer service throughout the mortgage process.

Bay Equity employees take great pride in helping borrowers achieve their home ownership dreams.

Bay Equity was founded in San Francisco in 2007 and is now headquartered in nearby Sausalito. Bay Equity has operations centers in Concord, Calif., Everett, Wash., Portland, Ore., Plano, Texas, Grand Junction, Colo., San Diego, Minneapolis and Denver.

Start the Loan Process

As lending professionals at Bay Equity, we are dedicated to helping you with all of your home mortgage needs.

The housing and mortgage markets are constantly changing. We can help you navigate the many options to find the right loan for you and your family.

Rick Costa
Area Sales Manager
NMLS ID#260747
Phone: 707-981-7349
Fax: 510-868-8380
140 Second Street, Suite 310, Petaluma, California 94952
Start a Loan Application