Message from Craig Rohden, CEO of Space City CU


In the spirit of people helping people, Space City CU is excited to announce an exclusive partnership between Space City Credit Union and Bay Equity Home Loans.

Bay Equity is a local mortgage lender noted for its personal attention to service and industry growth. Bay Equity's dedicated and experienced team is looking forward to serving you and all your purchase or refinance needs. We share the same mission of “going above and beyond your expectations.” Space City’s dedicated Bay Equity Loan Officer is Phil Ringer, and he has been serving Space City CU for over twenty years.

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:

  • Appraisal fee credited at closing
  • Highly competitive rates
  • Complimentary credit review
  • 0.25% credit to loan 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 Corte Madera. 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.

Phil Ringer
Loan Officer
NMLS ID#220596
Phone: 281-630-4336
9805 Katy Freeway, Suite 925, Houston, Texas 77024
Start a Loan Application