Bay Equity Home Loans

Mortgage Lender serving Long Beach, CA

About Bay Equity Home Loans

Amber Jones is a mortgage professional with over 22 years of experience, dedicated to helping clients achieve their homeownership dreams. She focuses on simplifying the loan process and providing tailored solutions to empower clients to reach their financial goals. Amber's approach involves turning obstacles into opportunities, particularly for those who may have been turned away by other lenders due to credit hurdles, self-employment income, or debt-to-income concerns.

Amber promises to leave no stone unturned in creating personalized solutions that align with each client's unique financial situation. She specializes in thinking outside the box, offering creative strategies for purchasing first homes, refinancing for a better future, and exploring reverse mortgage opportunities. She emphasizes the importance of listening to her clients and analyzing their options to develop the best game plan for their specific needs.

Unlike lenders with rigid, cookie-cutter approaches, Amber focuses on providing individualized attention and finding solutions tailored to each client. She is particularly skilled in navigating complex financial situations and finding pathways to homeownership that others may have overlooked.

Company Information

Lender Type: Mortgage Broker

Home Loan Products

First Time Homebuyer

Loan Types:
ConventionalFHAVAUSDA
Rate Types:
Fixed RateAdjustable Rate (ARM)Hybrid ARM
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)Manufactured/Mobile HomeCo-opInvestment PropertyVacation/Second HomeTiny HomeModular Home
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property
Employment Types:
W-2 EmployeeSelf-Employed1099 ContractorRetiredInvestorBusiness Owner
Income Verification:
Full DocumentationBank StatementAsset Depletion
Special Programs:
First-Time HomebuyerLow Down Payment Program
Credit Tiers:
Excellent (740+)Good (680-739)Fair (620-679)Poor (580-619)Bad (<580)

Move Up or Investment

Loan Types:
ConventionalFHAVAUSDA
Rate Types:
Fixed RateAdjustable Rate (ARM)Hybrid ARM
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)Manufactured/Mobile HomeCo-opInvestment PropertyVacation/Second HomeTiny HomeModular Home
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property
Employment Types:
W-2 EmployeeSelf-Employed1099 ContractorRetiredInvestorBusiness Owner
Income Verification:
Full DocumentationBank StatementAsset Depletion
Credit Tiers:
Excellent (740+)Good (680-739)Fair (620-679)Poor (580-619)Bad (<580)

Cash-Out Refinance

Loan Types:
RefinanceCash-Out Refinance
Rate Types:
Fixed RateAdjustable Rate (ARM)Hybrid ARM
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)Manufactured/Mobile HomeCo-opInvestment PropertyVacation/Second HomeTiny HomeModular Home
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property
Employment Types:
W-2 EmployeeSelf-Employed1099 ContractorRetiredInvestorBusiness Owner
Income Verification:
Full DocumentationBank StatementAsset Depletion
Credit Tiers:
Excellent (740+)Good (680-739)Fair (620-679)Poor (580-619)Bad (<580)

Active Military & Veterans

Loan Types:
VA
Rate Types:
Fixed RateAdjustable Rate (ARM)Hybrid ARM
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)Manufactured/Mobile HomeCo-opInvestment PropertyVacation/Second HomeTiny HomeModular Home
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property
Employment Types:
W-2 EmployeeSelf-Employed1099 ContractorRetiredInvestorBusiness Owner
Income Verification:
Full DocumentationBank StatementAsset Depletion
Special Programs:
Veteran Program
Credit Tiers:
Excellent (740+)Good (680-739)Fair (620-679)Poor (580-619)Bad (<580)
0

Front Line Workers

Loan Types:
ConventionalFHAVAUSDA
Rate Types:
Fixed RateAdjustable Rate (ARM)Hybrid ARM
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)Manufactured/Mobile HomeCo-opInvestment PropertyVacation/Second HomeTiny HomeModular Home
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property
Employment Types:
W-2 EmployeeSelf-Employed1099 ContractorRetiredInvestorBusiness Owner
Income Verification:
Full DocumentationBank StatementAsset Depletion
Credit Tiers:
Excellent (740+)Good (680-739)Fair (620-679)Poor (580-619)Bad (<580)

Reverse Mortgage

Loan Types:
Reverse Mortgage
Rate Types:
Fixed RateAdjustable Rate (ARM)Hybrid ARM
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)Manufactured/Mobile HomeCo-opInvestment PropertyVacation/Second HomeTiny HomeModular Home
Occupancy Types:
Primary Residence
Employment Types:
W-2 EmployeeSelf-Employed1099 ContractorRetiredInvestorBusiness Owner
Income Verification:
Full DocumentationAsset Depletion
Credit Tiers:
Excellent (740+)Good (680-739)Fair (620-679)Poor (580-619)Bad (<580)

Contact Information

4195 N Viking Way B
Long Beach, CA 90808
US

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Business Information

Category: Mortgage Lender
Location: Long Beach, CA
Status: Standard
Type: Mortgage Broker
Profile Views: 15

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