Bay Equity Home Loans

Robert was recommended by a friend. I was truly impressed by the amount of dedication he puts Into this business. As a first time home buyer, this process could not have been easier. I understand nothing about real estate other than Dave Ramsey repeating it’s something we should invest in. Robert explained in depth of all the real estate terms I did not understand. He was always available for questions and thoroughly reviewed documents with his team in order not to delay closing date. The emails included his team as well as myself and promptly followed up on. I cannot express how impressed I am with his service. Thanks again Robert! I love the new house!

My experience was EXCELLENT!!! I have purchased homes in the past and worked with many mortgage brokers, I’m pleased to say Robert is the absolute best! Robert was responsive, diligent, comprehensive, knowledgeable, and professional. Closing a loan in today’s market isn’t easy, but Robert and his team guided us through the entire process and we were able to secure the home we love with an excellent rate! I could not be happier with the service. I would recommend Robert to everyone.

Robert was extremely responsive and knowledgeable. He clearly explained all my options and stepped me through the entire process from applying to approval and on to closing. As an investor who frequently deals with lenders this was by far the smoothest and most pleasant interaction I have had with a lender. Thank you Robert!

Robert was excellent throughout the entire process. I would 100% recommend robert as I can’t imagine being anymore content with his teams efforts and services!

Carlos Ramos and his team have consistently delivered superior service and great rates for our mutual clients. Highly recommend!