Phil Nguyen 

“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.

Phil and Team were amazing! Simply the best!

Great communication from start to finish. Easy to understand what was needed.

i am a first time condo home buyer and I had several meltdowns as the process went forward. Phil and Morgan calmly answered my concerns and questions. They were great. They got me through a lot of complexity I had never encountered before. Thank them for me!

Prompt response even after hours, quick closing, competitive rates

The speed, efficiency and consistency in the service provided.

The team is always responsive and in a competitive environment, that is greatly appreciated.

Better comunication on closing cost

Phil and his team made this process very easy for me. Great team work, great communication, I couldn?t ask for more!

Bay Equity should be able to compete against larger financial institutions, like BofA, in providng tailored, effective and efficient financing solutions to prospective home buyers. In my case, I needed a bridge loan: short-term and interest-only. Instead, Bay Equity only offered a long-term , fixed rate loan. Bridge loans are a perfect product for home buyers who do not want to sell their existing home , until they buy a fixer-upper that needs to be renovated before the occupying the new house. Bay Equity loan processors are proficient and courteous, but the loan product offers are mediocre, like BofA.

Initial closing cost estimates provided were signifanctly inaccurate (approximately 35% higher than final). When specific concerns and questions on individual line items were raised, they were not taken seriously and brushed aside and given vague platitudes that the numbers would be updated before closing. As a result, there was a significant delta between the estimate and the actual closing costs that threatened the use of the seller subsidy negotiated as part of the offer. We were given notice less than 24 hours before closing that approximately $1600 of the seller subsidy would go unused, with no options or assistance offered to utilize the subsidy. We, along with our agent, jumped through hurdles to have our home inspection refunded so that it could be paid via the closing costs (which was never previously identified as an option), evaluate the option of purchasing partial points (which took direct and repeated prompting to get an accurate quote), and pursued the unfavorable option of purchasing a home warranty. However, on the day of closing, less than 4 hours before signing, the final closing costs were updated again and another discrepancy was identified. The estimate for the owner's title insurance was off by more than an order of magnitude ($49 estimate vs. $1779 actual), which was more than enough to fully utilize the seller subsidy. The home warranty had to be cancelled less than 2 hours after it was purchased, and the entire process of evaluating points and refunding the home inpsection became a moot point because of this error.

It was fine Phil. Typical questions from buyer regarding gift funds I've referred several buyers to BE already

The staff, their kindness and professionalism and their prompt actions made the process efficient and trouble free.

prompt and clear communication

Team Phil kept me informed of my client's process the whole time. Very easy and friendly to deal with!

* Flexibility in spending more time with buyers to talk them through processes, finanicng options, laying out a plan / guidance for them if they are not yet finanically ready to buy * If a buyer doesn't qualify for enough (e.g., because of 1099, international income), let us know how much they can borrow (vs how much then can buy). In some cases, they can bring more for the downpayment in order to buy a larger home, but the current messaging of what their budget is leads them to think they can't buy what they want even if they have more funds to put to the home

Phil & his team made the experience seamless and easy to get through. They were very responsive and on top of everything!

Always great communication!

I had a fantastic experience thanks to the team?s attention to detail and responsiveness. They provided clear, accurate information, which gave me confidence and made the entire process feel smooth and stress free. I truly appreciated their professionalism and support.

The detailed guidance and effective communications

Phil and his team are wonderful. They were there for all of my questsions and made the whole process so much easier.

Phil and his team are amazing. They are quick to respond, communicate effectively with everyone. Keep everyone in the transaction up to date on status. Highly recommend Phil, his team and Bay Equity for all lending needs. And they offer the best rates and options for buyers!!

Entire Team of Phil Nguyen was very responsive, professional and made the entire process of buying our new home pretty smooth and streamlined - from the time when we reached out for a quote to closing. Digital tools they use made it pretty straightforward to upload our documents and made the entire process very easy from us, which was especially impredsive considering that I was remote, being deployed to TX and my wife was in VA Entire team, Dara, Morgan, Stephanie were very responsive throughout the process. Overall we had very positive experience. Kudos to the team for well done job that allowed us quicly finance our purchase and close on the house. Hovhannes (John) Kudos for

Very simple, fast, and straightforward.

Outstanding communication throughout the process. Willingness to answer any/all questions regardless of time of day.

Phil and his team addressed all the issues and questions that were encountered during my mortgage process, and provided great service to make sure everything was done in time.

I had an outstanding experience with Phil and his team as a first-time homebuyer. Phil, Andrew, and Colby were incredibly supportive throughout the entire home loan process, providing clear explanations and guidance at every step. They took the time to understand my financial situation and helped me find the best loan options tailored to my needs. Their responsiveness and expertise were invaluable, making the process smooth. I highly recommend Bay Equity and Phil to anyone in need of a knowledgeable home loan agent.

The process was efficient and easy to understand.

Nothing further

I had an outstanding experience with Phil and his team as a first-time homebuyer. Phil, Andrew, and Colby were incredibly supportive throughout the entire home loan process, providing clear explanations and guidance at every step. They took the time to understand my financial situation and helped me find the best loan options tailored to my needs. Their responsiveness and expertise were invaluable, making the process smooth. I highly recommend Bay Equity and Phil to anyone in need of a knowledgeable home loan agent.

The process was efficient and easy to understand.

I m incredibly impressed with his service. Our question we had answered promptly. He is available or calls within a minute. Fast pace service made the home owner process easy.

I was a first time home buyer and was obviously nervous. But Phil and his team made the process so smooth and were always available to all my questions which made my home buying process very easy. This was a great experience for me!

More transparency into the rates and points. A dashboard so we could see the rates and points daily and how they change. More responsiveness from Phil after the application was submitted or a clear and intentional handoff to one person who coordinates the transaction instead of multiple different people throughout the process.

Anything needed on my end was well communicated, and there were no surprises.

The communication was clear and the timelines.

Fast and prompt response to my questions and concerns. Very professional team. And you make my dream come true.

Stop using automated messages that contain dated information. Ensure the team review all documents before demanding the same documents in an automated email.

Phill and his team are always reliable, communicative and efficient. You don't get the run around with this team! The lender can make or break a deal if they are not experienced so if you want a stress free and smooth closing, count on Phil to deliver! The thousands of reviews they already have speaks for itself from both agents and clients.

Always a great experience with Phil and his team! We've done dozens of transactions and he always comes through - even when there are challenges. Experienced, efficient, and resourceful!

We closed on our home in 30 days. Bay Equity was the only reason we were able to meet the deadline. Through their expertise and diligent work, Bay Equity team made the entire process seamless and stress free. A superior organization that should be at the top of everyone?s list of best lenders!

Timely communications; kept us on track.

Thank you Team Phil for the help in purchasing our first home. You guys were beyond helpful and communicative and made the process as easy as could be. I would recommend you guys to anyone needing it!

I really appreciated all the communication throughout my loan process and quick responses from the team with my questions.

Took the joy out of buying a home. The underwriting process was the most miserable ever. This was my fourth mortgage would rather have anyone else.

Team members were very responsive to questions and helped explain the process to us clearly.

Phil and his team made it happen. Really appreciate their work ethic and communication throughout the process.

My wife and I were first time home buyers and didn?t know the first thing about the loan process. Phil and his team did a great job of guiding us through the process and making sure we met all of the timelines and did a great job of responding to our questions and queries.

Thank you Team Phil for the help in purchasing our first home. You guys were beyond helpful and communicative and made the process as easy as could be. I would recommend you guys to anyone needing it!

Would like to have live rate information on a web page instead of having to ask for the information

You are fast to respond and when you get a contract you are able to close them quickly.

Phil and his team answered our questions in a thorough and timely manner, and were always happy to assist.

Great customer service and advise.

Phil Nguyen customer service was wonderful. He responded promptly to any questions and his team provided great helped during the home loan application process. I highly recommend Team Phil.

Phil was quick to response and very informative.

It seemed to us they were always looking out for our best interest. If there was a challenge then they helped us over come it

We were disappointed with the overall experience, even though Phyl and the team worked hard to close on time. My husband and I were unhappy by the interest rate we ended up signing for. Phyl initially agreed to a rate of 6.625%, but ten days before closing, we were informed that the rate would increase to 7.125% with over $4000 in purchase point fees due to a miscommunication about our salary. We didn't want to delay the closing, so we went ahead with this offer. It would have been fairer if they had checked our credit score and reviewed our documents before making promises, also would allow up to explore options with other lenders.

The staff was great and worked effortlessly to get things done. When I had to make a change at the last minute they helped to resolve that and get my loan still done in time.

I felt supported by Phil during the mortgage application process every step of the way. He is a very caring person and he has a team supporting him as well so nothing gets dropped.

Very efficient with good communication, and a good overall deal.

Very responsive team and the process was virtually painless. :-) Nikki especially is AMAZING!!

All of our questions were answered clearly and timely.

Phil provided tailored advice based on what I told him I was looking for. Phil and the team were always available to fully answer any questions that I had.

Everyone was very pleasant and informative. Communication was incredibly fast and all of my questions were answered.

Tight deadlines at holidays, Phil coordinated all the moving parts and the subordinates on his team to close the loan on time, and when issues arise, he directed the team to respond quickly and followed up daily to ensure it was done. I wish I had him on my team, his sense of urgency and ability to command his team, while maintaining professionalism and transparency to me on the timelines, as a client, was exceptional. He?s customer driven. That?s very important.

The seller wanted to close in two weeks and Phil and his team not only had the best rate, they were also efficient and thorough enough to help me close in time. I appreciated their responsiveness, professionalism, and positive attitudes!

During the process, there was little contact with Phil and his team. At the same time, I was being bombarded (not sure why) with calls from other lenders saying that you were not giving me the best deal available and that they could do much better. Rates also dropped significantly during the process, but my rate stayed the same. Now I'm bombarded with companies asking me to call them in 211 days, and they will get me the best refinance ever. I am not dissatisfied with the service, but I'm left wondering if I was well taken care of.

Great Team! You nailed it. Thank you!

The consistency and reminders of what was needed when it was needed the advice from his group of employees they really worked with us to receive the best rates and one employee wasn?t available another took there place so that was very important thanks

Phil, Colby, and the rest of Team Phil (Nikki, Joy, Ashley) made us comfortable during the entire process. If I had a question, no matter the day or hour, it was answered. If we got scared or confused, no matter the day or hour they reassured me. There was no pressure, no hazzle they moved at my speed. We would recommend them again and again! We are so thankful and blessed to have them in out corner!

every person we dealt with was very professional and stayed on top of everything. there was absolutely no problems with this transaction.

Every one on the staff was professional, courteous and competent. The on-line process is easy to use. Everything went smoothly!

Easiest closing experience I've had out of 4 or 5 other experiences. It was fast and very professional.

Phil provided tailored advice based on what I told him I was looking for. Phil and the team were always available to fully answer any questions that I had.

Phil had made sure that both my asks and what was best moving forward were met for my mortgage.

Close quickly

Phil?s team was responsive and helpful. The entire process was clear and laid out well online. Phil helped me understand all components of the closing disclosure over the phone and went above and beyond. Thanks for helping us buy our dream house!

Great communication throughout the loan process.

Easy to talk to and understand

If the team knew how to communicate by calling and did not drop the ball on a lot of things.

Phil was kind and trying to respond fast with professional advice.

He worked with us to get what was best for us.

Communication was above and beyond. Phil was ready to answer any questions promptly. I also appreciated the obvious expertise and assistance to non savvy buyers like ourselves.

Phil and his team had a great line of communication with us and were very patient in answering all of our questions. They always were very prompt in responding to us via email or even text. We greatly recommend anyone to work with Phil and the BayEquity team.

Phil's team is incredibly responsive. They answered our questions and emails almost immediately at any time.

Prompt communication and availability during the whole mortgage process.

Communication

It would have been better if details we had already mentioned were not missed. On several occasions we were asked about things we had already provided like older W2s or a loan that we had already stated we had in the very first application

Overall I loved the communication! I am really grateful that Phil was recommended to us. He is very quick too!

The entire team was very responsive and friendly through the entire process! Kudos to Phil and team!

Extremely timely, communicative, experienced experts, provided guidance. Marc was extremely responsive whenever I reached out to him. He was always available, not matter the time or day. Very pleasant experience as a first-time home buyer.

I recently had the pleasure of working with Bay Equity Home Loans (Phil Nguyen) to secure a mortgage, and I must say that their service exceeded my expectations. From start to finish, the entire process was smooth, hassle-free, and characterized by clear and transparent communication. Throughout the process, Phil maintained constant communication, promptly responding to my queries and providing regular updates on the progress of my application. They were proactive in ensuring that I had all the necessary documents and information required, making the entire documentation process seamless and efficient. This level of attentiveness and responsiveness instilled a sense of confidence in me, knowing that I was in capable hands. I wholeheartedly recommend Bay Equity Home Loans to anyone seeking a mortgage. Whether you're a first-time homebuyer or looking to refinance, their team of dedicated professionals will provide you with exceptional service, guide you through the process with ease, and keep you well-informed every step of the way. With Bay Equity, you can trust that your mortgage needs will be handled expertly and with utmost care.

The team was very responsive.

The whole team kept us informed, and they were very efficient. I?ve closed on a lot of houses and this has been the least stressful of all of them.

Great communication, prompt responses, very helpful

Timely communication and an overall friendly and knowledgeable staff

Very good experience was buy my house. Professional team.

Phil and his team is wonderful, had a great experience working with them. We got the best team to work with and to guide us. They were excellent at communicating every detail, very fast and efficient in what they do. They took only 13 days to get the loan approved with a very good interest rate and close the deal. I really appreciate the way Team Phil works and handles this complex process, always ready to help with anything!!

the team was responsive and helpful with guiding me through the process as a first time home buyer. I felt supported and the process felt demystified.

Timely response and kind reminder with key steps

Great communication, great team, prompt responses.

Phil and his team were fantastic! The process was smooth and Phil's team stayed on top of everything.

The team walked us through every step of the buying process with expert knowledge and care. As first time home buyers, we had a lot of questions that the team answered nearly immediately and always fully. Everyone was friendly and great to work with, I highly recommend Phil and his team!

Highly skilled & motivated team who works on your behalf

Phil and Andrew were a great team that communicated regularly and worked with us to get a good rate for our home. We appreciated the seamless coordination with Redfin and Title Forward. Thank you again!

I hardly ever spoke to Phil directly, there were other people who contacted us way more frequently. Everyone was pleasant enough until closing. First issue, We were given two different amounts needed to close, one by our realtor and one by Jen. Second issue, There has to be more than one option (wire transfer) for closing costs. It is hard to navigate those wire transfers with multiple banks. It's really limiting to the clients to only have one option, I'm sure there are lenders and title companies who accept certified checks. Because we received two different emails with two different amounts for closing, and we gave the wrong amount initially, we received unpleasant phone calls after closing. I know closing is stressful for everyone, but the nice tone and professionalism was out the window. When you are receiving hundreds of emails from title companies, lenders and your realtor, it's hard to distinguish which one to follow. Overall, I'd definitely look into another lender next time I go to settlement.

Being able to connect with some many people to help walk me through the process of homeownership was helpful. The staff were very patient and knowledgeable. Thank you!!!

Tricky situation and Phil and his team delivered as promised.

Team Phil was super knowledgeable and responsive! They work to make sure they help you complete all paperwork before deadlines. Team Phil is so costumer driven that you feel like their only client.

Phil and his team were amazing. They made the mortgage process manageable through great direction and frequent communication. I honestly could not recommend them enough. Phil and co. are excellent !

Phil was extremely responsive and happy to answer any questions we had. He worked with us to make the mortgage application process as easy and straight forward as it could be. We were able to close on time and had no concerns about getting our loan funded.

Phil and his team were wonderful to work with! We've used them for a few pre-qual letters while house hunting over the last two years and we were grateful that they were able to get us across the finish line when this offer was accepted. Thank you, Team Phil!

Taxes, warranty, and seller's credit were not reflected accurately on draft disclosures. It was stressful to deal with when trying to figure out the final amount needed for closing.

Highly appreciated your availability and the fast responses.

Easy to deal with and fast responses at most hours of the day and weekend.

Very professional and attentive people. They always quickly got back to me with answers to my questions Overall a great experience!

Clear and responsive communication

Very good experience was buy my house. Professional team.

Phil and his team is wonderful, had a great experience working with them. We got the best team to work with and to guide us. They were excellent at communicating every detail, very fast and efficient in what they do. They took only 13 days to get the loan approved with a very good interest rate and close the deal. I really appreciate the way Team Phil works and handles this complex process, always ready to help with anything!!

You can always get in touch with Phil or someone on his team. They were able to close my loan in three weeks! Great rates as well.

Timely communication and an overall friendly and knowledgeable staff

Phil and his team were very comunicative and worked with me to get me the best deal I could get.

The great communication and the ease of getting everything done so efficiently and promptly

Quick close.

Super fast and he is very knowledgeable.

PHIL showed a great deal of patience the entire time while working with me and it was needed

There customer service was excellent and the turnaround time was great ?

fast and easy process. Staff were professional and communicative

Good communication

very fast responses and consistent communication

I had a good time working with Phil and his team. They were very responsive and responded at almost all hours of the day. I would recommend his team to anyone who needs a good rate and needs to close quickly.

Thanks so much for everything you are the best?.

Phil and his team were amazing! They were incredibly responsive and made the entire process quick and easy. Just an absolute pleasure to work with!

Very easy and stress free process

I had issues finishing the requirements in time and had last minute changes due to personal reasons. Phil's team was empathetic and helped cross the finish line in time.

I had issues finishing the requirements in time and had last minute changes due to personal reasons. Phil's team was empathetic and helped cross the finish line in time.

Highly skilled & motivated team who works on your behalf

I felt Phil and team made themselves available to answer the questions I had, in simple terms that someone outside of the mortgage banking industry would understand. I never felt pushed or over-guided. His team stayed in to of complicated paperwork.

Quick and easy. Cheaper than alternative closing costs, quick to respond, and professional in responses

Being able to connect with some many people to help walk me through the process of homeownership was helpful. The staff were very patient and knowledgeable. Thank you!!!

I hardly ever spoke to Phil directly, there were other people who contacted us way more frequently. Everyone was pleasant enough until closing. First issue, We were given two different amounts needed to close, one by our realtor and one by Jen. Second issue, There has to be more than one option (wire transfer) for closing costs. It is hard to navigate those wire transfers with multiple banks. It's really limiting to the clients to only have one option, I'm sure there are lenders and title companies who accept certified checks. Because we received two different emails with two different amounts for closing, and we gave the wrong amount initially, we received unpleasant phone calls after closing. I know closing is stressful for everyone, but the nice tone and professionalism was out the window. When you are receiving hundreds of emails from title companies, lenders and your realtor, it's hard to distinguish which one to follow. Overall, I'd definitely look into another lender next time I go to settlement.

Phil and Andrew were a great team that communicated regularly and worked with us to get a good rate for our home. We appreciated the seamless coordination with Redfin and Title Forward. Thank you again!

The experience was friendly, professional and ON TIME from start to finish. On time is very important to me.

1. Smooth, mostly online process. 2. Availability via email or phone when necessary, prompt responses. 3. Clear guidance throughout the process, including what to expect steps.

Phil's team are very quick to respond and always provide excellent advice.

Very responsive and helpful

Communication

Great communication

Great experience

Efficient and quickly done

Communication was easy and the team was very responsive at any time we needed them to be.

Thank you to team Phil for a quick and easy closing process.

The staff were available at all hours, literally on New Year's Eve, and responded immediately. They were very patient with me, a first time home buyer who had many questions. Communication was clear. I'd recommend Phil and his team to anyone.

Phil and his team were amazing to work with. They were clear on the process, very quick to respond to every question and got us from contract to closing as smoothly as possible. Save yourself any headache and go with Phil.

My repeated businesses are a testament to Phil and his team excellent customer service. After three loans with Phil, I will continue to be a loyal client. If you want dedicated 24/7 responses and always know the status of your loan, then Phil and his team are the people to trust.

The ACM online portal is a great tool and the communication from the team was clear and timely. I will definitely use them again for future transactions.

Phil is great! His team responds to questions extremely quickly 24/7, he got us pre approved in 10 minutes, was able to accomodate a quick close of 17 days so we could have a more competitive offer and matched a lower rate...

Phil and his team were amazing from beginning of the process till the day of closing. They worked hard till late hours to make sure everything was in order. The whole team were very professional and responsive and explained all the details with the process accordingly. I would strongly recommend Phil and his team to anyone they made the process smooth and are very reliable!

Phil and his team consistently replied quickly to all communications and followed up on action items exceptionally promptly, keeping us informed and on track. As a buyer, their ability to offer a very short closing period gave us a significant negotiation advantage. Thanks ACM!

The service of Atlantic coast mortgage is great! Marc, Andrew and Phil are often able to answer my questions via email within a few minutes, and they even work on weekends. They helped me complete the entire loan process in less than a month, and helped me to buy the house smoothly. I am very grateful to them!

Phil and his team were great to work with. They were extremely professional and efficient and we closed in record time.

We were able to close on time and the communication was excellent!!!

The whole experience from beginning to end, if I had questions or concerns they were answered immediately. Phil and his team guided me step by step ensuring I understood everything and if I didn?t they took the time to explain until I did.

This was the BEST experience I've ever had in executing a mortgage/refi related effort. I never left the house. The tracking and paperwork was SIMPLE! I loved this!

Very fast response time

Thank you......

Straightforward, easy, quick communication. Other lenders I was looking at spammed me with daily calls for weeks even after I explained that I was almost never available via phone during working hours. I really appreciated how easy it was to take care of everything over email and secure messaging. I also really appreciated that the team was able to quickly & kindly answer all my many questions as a first-time buyer.

no nonsense and trusted advisor. Third time we've gone through Phil; one original purchase and two refinances.

Phil was very quick to answer my questions and I had a LOT. I wanted a streamline loan with not a lot of paperwork and low interest rate. Even was able to obtain a 20 year loan when at first he said they did not have one. So all in all the whole process was painless?thanks to Phil and his team.

Responsiveness and clarity

ACM was very quick and responsive and on their game.

Everyone was on point. I appreciate the help and the professionalism of the team so much.