We just resently closed on our 1st home and even though it was a lengthy process Jims office was very patient and holding our hands from beginning to end. People dont realize how much work and effort goes into buying a home until its actually happening. I am thankful that we decided to work with Bay Equity because they managed to make this bumpy road a bit smoother and much easier to walk. Id like to say Thank you to the whole team for all the help and support.

Jim and his team were wonderful made my 1st time home buying experience very comfortable and helped me with any issues or questions I had!

Jim and his team are top notch! They are quick to respond, timely and pick up the phone when you call. I couldnt have asked for a better team to work with. Highly recommend!

Absolutely wonderful people! My realtor daughter is recommending them to her clients after working with Bay Equity on our new home purchase. Never any hesitancy or delay with the whole group. They make you feel like you are their only client:)

We live in Illinois and needed a mortgage on a 2nd home in Florida. Jim and staff @ Bay Equity were EXCELLENT in their knowledge of Florida real estate, mortgages and regulations. The mortgage process went smooth as can be. Anytime we had a question they were quick to respond with an answer we could understand. I will forever recommend Jim to anyone in need of a mortgage. Very happy with Jim @ Bay Equity !!

Jim did a wonderful job getting me the lowest rate. When underwriters brought up a glitch, Jim found a reasonable way to take care of it. Hes the Master of Disaster! We closed and are very happy with his service.

Jim and his team were absolutely amazing during my home purchase. This was my first time buying a home and I could not imagine going through the process with anyone else. Jim responds almost immediately and his professionalism is quite impressive. Jim walked me through the entire lending process, answered my many questions, and worked tirelessly with my purchase. We had some tight timelines and Jim and his team rose to the occasion. I would recommend Jim to any of my family and friends that were in need of a lender.

Bay Equity Home Loan’s made it easy for me and my wife to refinance. Very accommodating to what we wanted and were patient with us waiting for the rate we were comfortable with. Jim and Christa worked hard for us. They were easy to contact and the lines of communication were very accessible. Honest team to work with it was easy to trust them through the refinance they wanted to take care of us.

Jim at Bay Equity Home loans is without a doubt one of the most knowledgable people I know regarding home loans...and hes a great guy.Talk to him for 10 minutes and youll agree.

Jim and Christa were so wonderful to work with. They made the process seamless, answered all our questions, and were always prompt to respond. As first time buyers we had a lot of questions, and they answered and explained everything to us, in terms we could understand, so we felt confident with every decision. Wonderful people and they truly set us up for success.

Jim was very good at helping us understand the ins and outs of refinancing our home mortgage. The process was very simple and the closing could not have been more timely for the needs of our family!!! Christa was amazing too! Thank you for everything!!!!

Jim and his team were fantastic in helping us with our mortgage refinance. He is very knowledgeable, professional, accommodating and trustworthy. He made the process very easy and we are very happy with our outcome!

Best way to describe my experience. Quick, easy, and painless. Very helpful with the whole process and very honest.

Jim helped me with my first home purchase in 2010, and after selling our old house last year, and some initial scouting around, I knew Jim was the one to go to. Our process began at the beginning of 2015 when we were planning to sell our home. After a few quick discussions with Jim, we were given some rough budgetary numbers for what to expect with a new future home. This transformed into our final new home mortgage with him.The work that Jim and his team did up front in the process helped make our closing day a breeze. Yes, we had to provide piles of bank statements, W2s, and just about our entire lives on a platter to them, but thats just part of the mortgage game. As our closing date approached, we would receive weekly status updates from Jim and his team. These updates would have any items that were needing finishing, whether that was for us, or from our home builder.When the final closing day rolled in, Jim was on the phone with me verifying every last thing, and was there for our closing, which happened in what seemed like record time. Every I was dotted, and T Crossed with every bit of paperwork. Not a single issue along the way. 45 minutes after walking into the closing office, we were walking out as home owners.All this to say, I cant say enough good about Jim and his team. The only thing left to say is that if you are in the market for mortgage, and want your closing to be hassle free......youd be doing yourself a disservice to not talk to Jim.-Andrew

I was referred to Jim and his team at Bay Equity by my realtor (so thankful for that referral). I hit them with a double whammy; very little knowledge about the home buying process AND I was a first time home buyer!!! That didnt make a difference to Jim. He walked me through every step and his assistant (Christa) explained everything to me as we went. They got to know me, my situation, what I needed, and treated me like a human being, rather than another statistic. I ran into quite a few obstacles the prevented me from getting my loan and I found myself doing everything within my power to make this happen. I also felt very supported because Jim was doing the same and putting in hours on my behalf to find a way to make it happen. I was regretfully informed that it wasnt going to happen, I would have to try again in a few months (which meant losing the home that I wanted), and even received a letter of denial in the mail. It was out of my hands at that point and I the same day I was going to throw in the towel, Jim sent me an email saying there was a possible restructure for my loan. He had found a way to get me my loan. He personally called me the day everything was finalized and told me that I was officially a home owner and my furbaby (my puppy) and I would have a new home!!! I closed on my first home last week. I cant thank Jim and his team enough for what they were able to do for me :) I am beyond thankful for everything Jim did for me and all the ways in which he went above and beyond, instead of just giving up on me and my complicated financial situation. I would recommend Jim and his team to anyone.

Recently, my wife and I had the pleasure of working with Jim Strachan and American Portfolio Mortgage to secure a refinance on our home. Jim and Tina were nothing less than outstanding. My wife and I were guided through this process with ease and were always kept apprised of the status of our loan application.When we had a question, Jim and Tina responded in an immediate nature. We never left the comfort of our home.I cannot express the gratitude and admiration for the service American Portfolio Mortgage provided.

Jim and his team were amazing. We met over a year ago and I had several home deals that fell through but Jim and his team did not give up on me, Jim just kept encouraging me. He was like an old friend of the family, like Jim I have roots too in New Orleans. Jim and his team make you feel less me family and I was an FHA loan that Jim was able to close in 36 days from start to finish! It was mind-blowing to think that could be possible with all of the government requirements that go with an FHA loan. I look forward to working with Jim and his team again fo a refinance when the time is right. Shannon Chicalace proud FIRST TIME homeowner Wilwood IL

I dont typically rate anyone with 5 stars. However, with regard to my experience working with Jim Strachan, I dont hesitate to sing his praises.I worked with Jim to acquire my first mortgage on my current house in 2013 and the process when through without a glitch. Several of my colleagues were purchasing houses at that time and shared horror stories with me regarding their process, while mine sailed through and was done in 4 weeks.In late 2015, Jim reached out to me to encourage me to review my mortgage and see if there may be a benefit for me to refinance. In fact there was and so again, Jim helped usher me through the process and I was refinanced in a little more than 4 weeks.All in all, I would highly recommend Jim to anyone. I base this on his responsiveness and attention to detail to get through the increasingly cumbersome mortgage process.Eliot - Wadsworth, IL

I had the opportunity to work with Jim Strachan, I must say he was prompt and very capable of handling all our needs for financing our new home. Jim went as far as giving us his personal cell number so at any time we had questions we could get in touch with him. Jim has even taken his customer service farther, even after the deal was closed, he still make himself available to answer any future questions. I highly recommend Jim for your mortgage needs.Todd

Jim makes the lending experience easy to understand. He truly is a partner during the loan experience. I have never met a person so dedicated to helping people get thru the home buying experience. I would highly recommend Jim and his team!

Jim Strachan at American Portfolio Mortgage is one of the best mortgage providers that I have ever worked with. I have been a Realtor for over 20 years and have had my experiences with good and bad mortgage consultants. I can hand my clients over to Jim Strachan for a mortgage with total confidence that they are in good hands. He is always completely candid with clients regarding their situations and the process they can expect. He has always gone the extra mile to help my clients achieve their goals of homeownership. I thank you, and so do the many people who you have helpedacquire a home for them and their families.

As a realtor, I know that Jim will take care of my clients. Hes honest, likeable despite being a Saints fan, and always gets the deal done. Ive known him for a few years and hes an all around great mortgage banker.

Working with Jim has been a pleasure. He is always available to answer questions. Jim will qualify quickly and stay with you through the entire loan process. I highly recommend Jim for all your mortgage needs.

Jim does a very thorough job of explaining the details of the mortgage process to those of us who need hand-holding. He is as knowledgeable as he is friendly. You cant go wrong.

I have been a huge fan of Jims for over many years. He has always been at the top of his game: credentials, education, work ethic, knowledge and mostly how his clients needs always come first. You will be hard pressed find a more dedicated, professional and well-informed Mortgage person.

Jim Strachan rocks. Hes the kind of guy who will get you a loan with a great rate, and walk you through the process from start to finish. Hes a very easygoing person to work with.

Jim and everyone at APM were absolutely awesome. My family and I just bought our first home a few months ago, and everyone we talked to told us to prepare for the worst in going through the mortgage process. However, I can honestly say that Jim and his team really made the whole thing quite easy. They managed every piece of the process flawlessly, and we were able to get the home we wanted at the right time and the right price with no hiccups. I would absolutely recommend everyone I know to get their mortgage done with Jim.

Jim raises the bar on customer service and expertise. If there is a way to get you qualified, you can count on Jim to get it done. If you are having trouble qualifying, he will show you clear steps to follow so that you can qualify and show you how to avoid the pitfalls eager homebuyers often fall into so that you do not thwart your progress. Jim is, hands down, my favorite mortgage guy, bar none!

Very good experience with Jim Strachan and Bay Equity. We worked together on several deals. Finally I was rewarded with a stellar property. Would do business with again!

Jim made my buy a home experience way better i went to 2 other banks that failed me before i went to jim and i wish i would have picked him first. Jim will not lie like the other banks did to me and he seemed to do what ever it took to get me in a house. I want to say thank you so much jim for getting me in my beautiful home

Jim Strachan,Tina Coleman and Christa did an amazing job for me. I wanted to buy my dream home on the water. Im self employed and was a little concerned if I could even get a mortgage due to the mortgage meltdown in 2008. Jim and his team made sure my dream would come true. Im not easy to impress but Jim and his team gave me the WOW factor! Great team and Great Company even better people. Whoever reads this reveiw I strongly encourage you to go with Jim and his team. They deserve 10 stars!!!!

After I was denied in the final hour by my credit union, my realtor suggested I try Bay Equity. They went the distance and I closed.