Message from Initio

Initio Employees,

We want you to know of a new collaboration Initio has entered with Bay Equity Home Loans and their Corporate Care program. As a valued employee of Initio, we are providing this added benefit for your consideration. When the need arises, you can utilize the expert customer service and dedication of this local mortgage company to help with any home purchases or refinancing needs you may have.

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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*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.

The Kosmecki Team
Area Sales Managers
NMLS ID#265365
Phone: 763-519-1100
fastclosingnow@bayeq.com
bayequityhomeloans.com/the-kosmecki-team
20965 South Diamond Lake Road, Suite 104, Rogers, Minnesota 55374
Start a Loan Application