Message from H&R Block

Team! Please welcome our newest Employer Solution Partners! As you all know, the core of our success is teamwork, and valuing every individual who helps us thrive as team. We strive to help every team member achieve success personally and professionally.

In the spirit of home, family & financial well-being, we are excited to announce an exclusive partnership with a leading mortgage company and realtor. Bay Equity Home Loans is a local mortgage lender noted for its growth and customer service. Toni Spena works with the team at Coldwell Banker Residential Brokerage, and has 14 years’ experience as a Realtor. Bay Equity’s team and Toni Spena are looking forward to helping with your home purchase, selling or refinance needs. As a an Employer Solutions Partner we not only help their associates in their tax preparation needs, but Bay Equity and Toni Spena are here to help us in our Real Estate, Mortgage, and Refinancing needs. A True Partnership!

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. You and your family members are automatically eligible for the following discounts:

  • Highly competitive rates
  • Complimentary credit review
  • 0.25% 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 -
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*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.

Jane Fisher
Senior Loan Officer
NMLS ID#210677
Phone: 847-340-1031
9205 South Illinois Route 31, Lake in the Hills, Illinois 60156
Start a Loan Application