Message from SPOA

Welcome to the SPOA’s mortgage lending partner website!

As you all know, We strive to help every Association member achieve success personally & professionally. In the spirit of home, family & financial well-being, we are excited to announce a partnership with a leading mortgage company, Bay Equity Home Loans. This local mortgage lender is noted for its award winning reputation & customer service.

Ali Ghaziani is the branch manager who will be taking care of SPOA and his dedicated & experienced team is looking forward to helping with all of SPOA’s members & their families home purchase or refinance needs.

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
  • 0.50% 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 -
Credit from Realtor -
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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.

Ali Ghaziani
Area Sales Manager
NMLS ID#300913
Phone: 510-604-6526
Fax: 510-892-2911
99 South Almaden Boulevard, Suite 600, Office 635, San Jose, California 95113
Start a Loan Application