Notice:  This is not a commitment to lend or extend credit.  Restrictions may apply.  Rates may not be available at time of application.  Information and / or data are subject to change without notice.  All loans are subject to credit approval.  Not all loans or products are available in all states.  Equal Housing Lender (logo) Loans will be made or arranged pursuant to Department of Corporations California Finance Lenders Law License. Bay Equity LLC NMLS #76988, Lucy Lotto NMLS # 121762.