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“Hometown Lending a dba of Bay Equity, LLC is a dynamic mortgage company with many years of experience in the industry.  I have a top notch team of professionals working with me behind the scenes. 

The Bay Equity Story

Bay Equity opened its doors in 2008, in the midst of the recession, as many other wholesale mortgage lenders were closing theirs. A group of mortgage professionals led by three brothers, Brett, Jon and Casey McGovern, recognized the need for a new type of wholesale mortgage lender. Their new lender had to embrace the highest standards, provide exceptional customer service and be committed to lasting relationships with brokers.

Bay Equity opened in San Francisco in April of 2008 and funded its first loan one month later. In its short history, Bay Equity has expanded and is now lending in eleven western states and growing.

Bay Equity has hired accomplished mortgage and financial professionals at all levels and has proudly assembled a highly experienced staff of corporate executives, operations professionals and account executives.

Bay Equity has quickly been recognized as a technology leader. As a "green" lender, Bay Equity has gone paperless through Encompass360 and EDGE, its Equity Decision Generating Engine, an easy to use on-line system spanning the range from quick pre-qualification to full approval; and it's all paperless.……………

“My personal goal is to work as a reliable team member to accomplish your clients objectives.”

I've been married to my wife Suzanne for 25 years and we own a home in Kitsap County where we have raised three grown children.  I  attended Central Kitsap High School in Silverdale and Central Washington University in Ellensburg.  I am a Navy veteran and my younger brother Bob and I were in the Navy Seabees together.  (Seabees=CB’s=Construction Battalion).  I’ve been in the mortgage business for over 22 years at both the wholesale and retail levels.  Suzanne has managed a plastic surgery practice for over 30 years.  We own a cabin in Winthrop and visit Lake Chelan and the Methow Valley  often in the summer and winter.

We're members of the Bremerton Elks and the YMCA.  We go to the Mariners, Seahawks and  Husky Football games and spend time with our long time close friends.  We've enjoyed traveling to Hawaii, Mexico, Palm Springs and two Princess Cruises.

Currently, I'm excited about the future of our country and the possiblitites in the mortgage business.  It appears we have turned the corner in the economic downturn and I’m ready to meet the challenges in the new real estate finance industry.   I would welcome the opportunity to help you achieve your goals as well.

Feel free to contact me.......

“It is one of the most beautiful compensations of life, that no man can sincerely try to help another without helping himself.”

Ralph Waldo Emerson  (1803-1882)