- Loan Programs offered by Bay Equity Home Loans include:

1. First-Time Homebuyer Loans: Designed for individuals buying their first home, these loans provide financing options tailored to meet the specific needs of first-time buyers, including low down payment options, flexible credit requirements, and guidance throughout the homebuying process.

2. Current Homeowner Loans: Providing various loan options for existing homeowners who want to purchase a new home or refinance their current mortgage. These programs offer competitive rates, flexible terms, and personalized solutions based on individual financial situations.

3. Specialty Loans: Bay Equity Home Loans offers specialty loan programs to address unique financing needs. These may include jumbo loans for high-value properties, construction loans for building new homes, and renovation loans for remodeling or improving an existing property.

4. Refinance Loans: Bay Equity facilitates mortgage refinancing to help homeowners take advantage of lower interest rates, access equity in their homes, consolidate debt, or change the terms of their existing loan. These refinancing options are designed to save money, increase cash flow, or achieve specific financial goals.

Additionally, the webpage content mentions "Not sure where to start? Just looking? First-time homebuyer? Buying again? Refinancing?" indicating that Bay Equity offers guidance and support for individuals at various stages of the homeownership journey.