Introducing Bay Equity - A Hard Money Wholesale Lender.

Hello,

My name is Casey McGovern and my brothers and I have just opened Bay Equity. Bay Equity is a Residential Hard Money Wholesale Lender. I met with Chris Ha last week and look forward to working with all of you. Bay Equity specializes in residential 1-4 unit, owner occ only. We will go to 65% LTV and below and will lend to borrower’s with FICO’s as low as 500! We have STATED/STATED programs and have very flexible underwriting! If you have a make sense deal, we can doc it out in less than 24 hours!

Now that the sub-prime lenders are out of business, borrower’s with credit problems will be looking for options. Bay Equity will help meet those needs. If you have a deal with equity, please give me a call. You may not run into these deals everyday, but this is a growing market and we look forward to working with each of you. Please feel free to visit my web site for more details: www.bayeq.com/casey

Please let me know if you have any questions.

Casey McGovern

Managing Director

Wholesale Production

Bay Equity LLC

(415) 517-6172 direct

(415) 814-5753 fax

www.bayeq.com/casey