Tim Kay 

“Redfin Recommended” service providers are highlighted strictly as a resource, and are chosen based on their positive relationships with our agents, and/or consistently high customer reviews.

Overwhelming sometimes

Tim was very responsive and encouraging throughout the process for our client. He was able to stick to his ideal timeline and stayed in communication throughout the entire process! Highly recommend Tim Kay!

Tim went above and beyond to make his part of this transaction the only part that was smooth from start to finish! There were a lot of bumps in this transaction but Tim kept the funding part moving along smoothly. Gave me peace of mind!

This was a delicate situation and Tim guided us through effortlessly!

Tim was always availabel, professional, and willing to go the extra mile.

Tim was extremely responsive to our emails abd calls

The buyer was very impressed with Tim's responsiveness and availability. The transaction went super smoothly and they couldn't be more complimentary of Tim and Bay Equity.

Tim was invaluable when it came to helping my wife and I navigate the mortgage loan process. He was very prompt to respond to any questions we had and communicated important matters quickly. Tim was a pleasure to work with and really helped take the stress out of the process.

Tim was very effective communicator which helped my family to close the deal on time as planned. He and his team works together to made my dream comes true. I highly recommend Tim Kay for anyone needs home lending. Thank you Tim.

Tim was very effective communicator which helped my family to close the deal on time as planned. He and his team works together to made my dream comes true. I highly recommend Tim Kay for anyone needs home lending. Thank you Tim.

Tim is always proactive and response to me when I have questions, along with my clients.

TIM WAS KNOWLEDGABLE AND HELPFUL, THROGH A VERY PAINSTEAKING PROCESS.

Fantastic service! Great lender!

Tim is very knowledgeable and has lots of expertise working with an array of borrowers. I was very impressed with how he deals with VA borrowers and is able to lend his expertise which helped us use every single entitle benefit we qualified. This helped a lot in securing our loan and helped us meet our goals of retaining cash while getting the best possible monthly payment. I appreciate his ability to provide realistic expectations and not feed us information that we want to hear. Also, he and his team worked very hard to help us meet our goal without compromising quality and integrity. Thank you.

Tim was phenomenal. He was always available to field my calls or texts. He did everything asked of him and more. Even when I had lots of questions, he never ignored my calls, or got short with me, but stayed very patient and willing to help however possible.

The communication and openness.

Tim was there to assist us with all questions and concerns we had throughout the entire process. Hands down, the most empathetic and helpful lender we?ve used to date. If you?re purchasing a home, give Tim at Bay Equity a call. Thank you for everything, Tim!

Tim was very kind and was always available to answer questions and give advice throughout the entire process. He made everything easy, which is awesome because acquiring a loan is such an overwhelming process! I would definitely choose Bay Equity again because of Tim?s hard work.

Tim "TK" Kay was fantastic! I consider myself to have very high expectations of service when conducting business. Some may consider me difficult to deal with in fact due to my unconventional negotiation tactics. TK was so cool and put me at ease that I honestly was not nervous about the transaction for my new home. Particularly in my loan, I pressed on TK on obtaining clarification on a Veteran related issue applicable to Veterans in Texas. Instead of putting his ego out to block my efforts for expediency sake, he embraced the challenge. He took the time to have an issue involving Texas Tax Code clarified. This resulted in immediately preserving my monthly cash flow by hundreds of dollars per month, Money that would have been lost to property taxes. As a 100% TDIU rated disabled Veteran who lives on a fixed income of a state pension, this was huge to me. I am forever grateful to TK and Bay Equity for this. Give this man a RAISE! If TK gets to read this, thank you Tim!-I will definitely recommend you to others as well as consider you for my future needs as well.

Tim was great at being available and answering questions for first time home buyers

Tim was a pleasure to work with during our home buying process. He made it simple and easy, and was always available.

Everything about this experience was great from the beginning of meeting Tim. And when he went above and beyond the call of duty to help us when we needed answers quickly late at night he was there and might I add while he was on vacation in Spain at Spain time of 3:00 in the morning. (What a great guy!) Thank you Tim!

Everyone was so kind and patient throughout the entire process. Communicated in a timely manner and made themselves readily accessible. Couldn?t ask for a better experience being a first time home buyer.

We were referred to Tim and we reached out immediately after we took a tour of the property we liked. After the tour it was apparent we needed to get pre-approved as soon as possible. We filled out the application and uploaded our documents and within a very short period Tim messaged us to let us know he received our information and would call us shortly. He explained the next steps and expectations very clearly and was able to get us pre-approved that night. From the beginning until the end, we could not have been more fortunate to have Tim as our point of contact. We would message him on an almost daily basis as we were working to understand the process, align our expectations and provide the necessary documentation they required. Tim is always available and willing to take calls, text or email and we couldn't be more thankful he was there for us as we went through the process to purchase our first home. We would recommend Tim to anyone as we couldn't have imagined a more seemless and positive experience with him and his team.

His quick response, Tim always response in minutes.

Tim was always incredibly helpful and knowledgeable throughout the mortgage process. He did a wonderful job of explaining every step for us and keeping us updated. He was always qucik to respond and help us.

Last time I went through the process to buy a house one of the loan processors was not very pleasant and made me feel awful. Given that experience I was not looking forward to going through the experience again. However, Tim Kay, and the Bay Equity team, made the transaction smooth and straightforward. I really appreciated the professionalism of everyone involved in this process.

Very responsive to queries/clarifications

Both Tim Kay and Lois Angel-Brown were awesome. Communication and follow up made the whole experience easy. Can't praise them high enough.

His quick response, Tim always response in minutes.

Tim was very responsive and timely in answering all my questions! Any time I had a concern even late in the evening, he would make the time to communicate. He was very thorough in explaining all the nuances of a mortgage to me and helping me understand the paperwork I was signing!

Very transparent communication & fast close.

Tim was always on top of communication! Better than any other mortgage experience I have ever had. I had not come prepared to buy when I found my dream home. Tim very quickly got me pre-qualified. I always had the utmost confidence in his delivery of what he promised.

Tim worked hard to alleviate any concerns I had and make sure we would have a smooth process even prior to submitting the application. He worked hard and was always fast to communicate and available for us! I always recommend Tim!

As a first time home buyer, it can be a bit overwhelming trying to find a lender you can trust and follows through with what they tell you. Tim made this process a walk in the park and I was able to close in 3 weeks!! He was available anytime, including weekends to answer questions, and kept me updated every step of the way. I would highly recommended Tim for your lending needs.

Tim Kay went above and beyond the call to help me secure financing for my new home. I am very appreciative for everything he did and for his availability even after hours prior no bark

Over promising and under delivering on every key aspect of the process. The lender told us he would match any competitor's rates without problem, but it turned out he can't and his rates are uncompetitive (0.5% difference in interest rates with other lenders). The lender told us "it's too good to be true" and that other lenders would not close on time. We had to postpone closing once for unknown reasons (lender blaming appraisal coming late, even though we waived our 3 day review contingency rights). When we arrived at the bank (to withdraw the cash needed to close) one business hour before our closing meeting, the lender rushed us to buy his points to reduce the interest rate we chose, invoking a regulatory issue. Indeed we had too much credit (seller + lender) and were told about this issue at the very last minute once we were out of all our home buying contingencies, which put us at risk of losing our earnest money as well as the home. We were fortunate to maneuver (out of what looked like predatory lending practices) by agreeing with the seller to postpone once again the closing date and have seller credit factored into the final purchase price instead. As a result we now have $5k+ missing for our planned repairs - which could have been handled directly by the seller, had we known about the issue earlier.

We've worked with quite a few lenders in the past and we've finally found the best one, Tim Kay. He's very efficient, professional, prompt, and knowledgeable. We just closed escrow on a property. It was the quickest and smoothest transaction ever. Guarantee best rate /terms!

They were great to work with! Very easy and friendly.

Tim and his team were extraordinary. He was available days, evenings and weekends to assist us with our home loan. The process was painless and stress free. We highly recommend Great Western, Tim Kay and his team.

Tim Kay did an incredible job securing my loan. He made himself available around the clock. Even nights and weekends. When it came to closing paperwork, the escrow agent was floored at how small the closing document packet was. Thanks to the incredibly thorough work Tim Kay and the Great Western Home Loans staff, the signing was completed in just 11 minutes. I recommend them to anyone seeking a home loan. No one was able to beat their loan rate or lender costs. I'm definitely a life long client.

It took extra effort for Tim Kay and his team to get my mortgage ready in a very short period of time. They were all very competent and professional. It was a heckuva good rate as well.

We appreciated all the help that Tim Kay and his expert team provided. Tim and team were always available for the many questions that we had while maneuvering through the financing process, which was very comprehensive. He was able to expertly guide us down the path to eventual success. We are very thankful to Tim et al and very happy with our new house. Thanks to the entire team.!

They gave us a great rate and closed our loan early. Very sweet and patient people to work with.