5 /5 Maikel Zuniga: Joel is an exceptional loan officer, and I cannot recommend him highly enough! As a first-time homebuyer, I am incredibly grateful for his guidance and expertise. He made the entire financing process smooth and stress-free. What truly set Joel apart was his incredible responsiveness. He was always available to answer my questions, no matter how big or small, and provided clear, insightful feedback every step of the way. His dedication and professionalism were truly impressive. Thanks to Joel and the Bay Equity team, I am now happily settled in my new home. If youre looking for a loan officer who is knowledgeable, reliable, and truly cares about his clients, look no further than Joel!