Bay Equity Home Loans

Frank and Tara were amazing! We were buying our first home and had so many questions.
They were always available and had so much patience through the whole Process. I feel they made it so easy for us.
I would highly recommend Frank to anyone looking to buy a home.
Thank you so much for everything!

Frank was awesome to work with! As a first time buyer, with my father co-​signing from another state, Frank and his processor Summer, answered all my questions, even repeated questions, numerous times, and very thoroughly. They both were available at all times of the day to keep the process moving and get me into my home! Frank is very positive and encouraging and helped me to understand the whole process for which I am forever grateful! I highly recommend!

Getting a loan is a bit like sailing the high seas. Trust me, I know. I sailed across the Bermuda Triangle. In a 28 ft. boat. With three other dudes. I was sick the whole time. It was awful. However, we wouldn’t have made it through if we didn’t have an expert navigating for us. And once we arrived at our destination and descended upon the town like filthy sailors who have been at sea too long, it was all worth it. Pretty much. Until we had to go back home but whatever.
The point is that’s what Frank (and Summer) will be for you during the loan process. It’s not easy, but you’ll get through it and hit land pretty quick. You’re gonna get asked for copies of pretty much everything. You’re gonna need to put a crap load of paper in your printer. You’ll need to show where the money to buy that sandwich you ate for lunch came from. You’ll probably get annoyed. You might even call them out once or twice and be kind of a dick when expressing your frustration with the process. Accept that going in. They’re just doing their jobs. They’re trying to get someone to loan you bags of money and are only being thorough. Because, you know, they’d kinda like you to pay it back at some point. Remember a few years back when everyone loaned out money to everyone regardless of income, and nobody checked anything, and the market crashed, and people freaked out, and everyone was all like «I blame this dude» or «I blame that dude?» Ya, they’re looking to not do that again. Which is nice.
Anyway, you’ll get there, and you’ll be hard pressed to find a team who will get you a better rate. I am extremely pleased with the outcome and the way Summer and Frank stayed with us through the whole process. They were absolutely fantastic at keeping us informed, getting us exactly what we wanted, and pushing our loan through at break-​neck speed.
Good job you two. And many, many thanks.
–gg

We just completed our third process with this team and wouldn’t not hesitate to refer anyone we know to American Capital. Steve Parajeckas was our contact specifically and over last couple of years we did both purchase and refinances. We are extremely happy with their professionalism, detailed and timely requests, none of the «can_​you_​resend_​this_​and_​that_​once_​again?» stuff we had at the major banks. They work as a well-​oiled machine with A LOT of human interaction. We never felt like a number to them. Every single time Steve ran numbers based on our needs and presented 2 – 3 options for us to work with. Once we were set on the route we were comfortable with, they would proceed to collection of docs and lock period, so we knew ahead of time what and when to expect. We would also receive regular emails on the progress with underwriting department on copy, which always showed us that we are on the same page and everything is going as planned.
Strongly recommend!

Hajir and his team gave us great service throughout a long refinance process. We had many issues to overcome, problems to solve and through it all everyone was patient and helpful. Hajir’s experience and expertise got us a great rate and made the process much easier than we expected. I will recommend them to anyone I know that is buying or refinancing.

It was extremely easy working with Frank and Summer when we first bought our home last year, and then refinancing later this year. Frank and Summer were extremely patient with my numerous questions and also helped me in a difficult situation when we first bought our home. We will certainly go back to Frank and Summer again when it’s time to find our next home!

Frank and his team handled my loan in a very quick and efficient manner. The sellers of the property I was interested in wanted to see a full loan approval with the offer. Frank facilitated the process and got a super-​quick turnaround on the loan approval. Needless to say my offer on the home went through and the loan process continued very smoothly until the end. Thanks team!

My wife and I worked with Hajir and his team to purchase house from a non-​accommodating seller when we returned to LA after a couple years of living/​working out of the US, and when we learned that the bank was requiring yet more supporting documents for an overseas I was almost sure we were going to lose the deal.
Summer and Hajir provided us with all options, guided us through the hurdles and were extremely helpful and responsive during the stressful process. I felt like Hajir’s team was going out of their way to ensure we could close, and sure enough we finally did after one extension of the escrow period.
I do not believe we could have closed without their full commitment to the process and their clients. I’d highly recommend American Capital Home Loans to everyone with real-​estate financing needs in SoCal.

Frank and his team are top-​notch! Frank starts out by giving a presentation (all online) of what our mortgage and closing costs are going to look like based on a given price range. We love the presentation because it gave us a clear idea of what our expenses were going to look like, which helped us in the decision making and budgeting process. What amazed us is his availability. We were able to contact him anytime of the week and anytime of the day. He responds through texts, emails or phone calls. He knows the product very well and makes sure that you understand it. After all, a home is the one of the biggest purchases that anyone would make. He was with us the whole way, up to the closing day. He understood our time constraints and made sure that we close sooner than later by having the funding and recording the same day. He worked his magic, communicating with us even while he was out on vacation! I cannot recommend him enough.

I have worked with Frank Blakeley and his team for several years now and would never consider using anyone else. I used Frank when I purchased my first home which was a short sale and I was nervous about everything. Frank and Summer laid everything out for me and took me step by step through the loan process and found be the best rate and eased my concerns greatly. They treated me like I was a family member which made me trust them even more. Fast forward five years later I sold my house and was buying a new condo at the same time and I told my realtor I would only use Frank and his team. My realtor mentioned to me that she found him very easy to work with and he was even able to close my escrow within 21days which was perfect since I was staying at a friends house. Again they took the stress out of a very stressful situation for me and found me the best rate that fit my budget and educated me on the condo vs house market. I can’t say enough positive things about Frank and his team. Try them you won’t be disappointed.
Best Regards,
Vito

American Capital Corp sent me a letter stating they «inadvertently caused an incorrect due date to abe reflected on your statement» and my loan does not have a payment due the following month. «We will not assess any late charge if we do not received a payment…» for the following month and my credit history will not be impacted. Within a few weeks, I received a nasty-​gram saying I was late and had to pay the loan amount for two months. When I called them to explain I had this letter from them, the supervisor said «you signed a contract to pay every month» !!! And he was a jerk about it. They would not listen nor acknowledge I had this letter from their office saying no payment was due for the month they screwed up the account date. I wonder who governs or oversees home loan companies?

Brett was incredibly helpful and responsive. When I was considering refinancing my home he sent me a very easy-​to-​understand analysis about the different options available to me. It made the decision making process so clear. I got a great rate and all my questions were answered quickly and thoroughly. If you are considering a new loan or a refi, do yourself a favor and contact Brett. He’s very helpful and so easy to work with.

I’ve used American Capital for my home purchase and 3 subsequent refis. There is a reason I keep coming back! The team is honest, communicates well and always lives up to the highest of expectations. I highly recommend them.

We refinanced with American Capital Home Loans about a year ago. We were so impressed with the staff and the way they walked us through the process, we decided to refi again with them this year. Brett Bonecutter helped us decide when the best time would be to refi for us based on our individual criteria. We trust his advice and have found it to be right each time. He and his staff were energetic without ever being pushy. They were available for any kind of information or support needed. They communicated every step well so that there never any confusion. I couldn’t believe how easy they made this process compared to other times we have refinanced over the years. I have recommended American Capital Home Loans to several of my friends and feel very good about doing so.

The most trusted advisers in the mortgage industry. If you want honest advice on how to manage your mortgage in the best way possible, give American Capital a call.

American Capital Corp did what we didn’t think was possible. We didn’t think we could possibly refinance in this market but they proved otherwise. Their impeccable attention to our particular needs, their ability to explain our options in layman’s terms and tireless pursuit of our best rate make them the best in the business!