Tim Carpenter, Your Creative Direct Lender (CalPacific Team, Bay Equity Home Loans) Mortgage and Lending



Tim Carpenter
Your Creative Direct Lender
location_on San Diego, CA — CalPacific Team, Bay Equity Home Loans
NMLS# 247359
Get to Know Tim Carpenter

As a DIRECT lender with ability to broker as well, Tim Carpenter and his team have built a strong reputation as an outstanding mortgage consultant serving the lending needs of investors, real estate professionals, builders and individual home buyers nationwide. He is also an expert in new condominiums and conversions, and mixed-use commercial properties for investment, business, or primary residence. That means he can secure most any loan for you on most any residential property in many states nationwide.

His team works very hard to ensure you a smooth transaction and earn your repeat business. Attentive service and follow-up using creative scenarios with the absolute latest lending guidelines, quick automated approval systems, limited documentation, and strong REALTOR / Lender relationships all ensure the best care and attention you can have in your home financing transaction - closing ON TIME and ensuring total client satisfaction.

The full range of mortgage products includes Jumbo, FNMA Homepath, Homesyle-renovation, USDA, CalHFA, VA, FHA, Conventional options. Tim's team is dedicated to finding the right loan with the best wholesale rates, terms and costs to meet your unique needs. That is just the beginning of their service, however. Throughout the lending process regular loan updates and progress reports are provided so all parties can relax, always know the status of their transactions.  

Through Tim Carpenter you not only have access to the best loans available in the marketplace, you can also review loan alternatives, and even apply for your loan at your convenience, online - 24 hours a day. "Our goal is to exceed your expectations in true mortgage PLANNING, earning your loyalty and trust for a life-long business relationship. Thank you for visiting our web site. We look forward to putting our strategic equity mortgage planning service to work for YOU!


Super-Jumbo lending to $7M through first-time buyers. Residential including FHA, VA, CalHFA, Mixed-Use, plus RENOVATION options for both FHA and FNMA - even for investors!

DRE Broker License 01315535 (inactive, but current for experience working with your agent.


Equal Housing Lender. Bay Equity Home Loans. Licensed to originate mortgage loans in California. To learn more, visit www.LoanCarpenter.com