I closed on a small home in Chicago in April 2025 after making two trips from the South. My inexperience led me to engage the services of a Redfin real estate agent who saw my desperation to find a great home and break the rent cycle of many years. The real estate agent misled and lied about a property being "perfect for me" after showing me subpar homes that were disgusting. At no time was I informed that Redfin had acquired Bay Equity Mortgage. My agent bragged about "selling ten houses a year where most agents sold two." Recently, a younger agent with Christie's informed me that "Ten houses a year is nothing." Three premium Home realtors never heard of Bay Equity. Two of the agents described Redfin as a "discount brokerage" with an unscrupulous reputation for committing unethical acts. My first exploratory trip to Chicago came shortly after the death of my mother and I was, frankly, in a hurry to land the perfect home to process my grief. During my second trip to Chicago, Jindra Faulkner (hereafter "Faulkner") appeared on the scene like a shark drawn to blood. Her first actions defined a pattern of reckless mismanagement with her team of "assistants". Faulkner lurched recklessly from one crisis to another, always "rushing" with impugnity. Her team of 3-4 assistants overwhelmed me with relentless demands for information labeled "Time Sensitive" in non-stop voicemails, texting and emailing. These behaviors deliberately created drama designed to force me into making rash decisions and to close a sale. There were no legitimate crises. Faulkner explained this modus operandi was necessary to "prevent other bidders who were lining up to outbid me" at any moment. Premium brand real estate agents told me that this behavior is unethical, and they were sorry I was churned and burned. The realtor could see that I was desperate to start a new life in Chicago, and colluded her defenses with Faulkner's shameless opportunism. Subsequent to the endless requests for financial information in phone calls, texts and emails to expedite the sale and rush closure of a property endee up too small and not "perfect for me" as the agent stated repeatedly, I was positioned too far from any social interaction with people my age and younger. Faulkner' parceled out her work to "assistants" including one named Baldwin. Our first clash occurred when Faulkner demanded that I remove the freeze from my Trans Union Credit Bureau file only. When 7 days passed and I was trying to return home by car, I received a call from Baldwin confirming that I needed to remove the fraud protection freeze on all three credit bureaus. The culmination of this chaos with abusive demands left me in my hotel working my phone and emails averaging 3 hours of sleep nightly. This led to a clash with Baldwin. Avoid the merged Redfin and Bay Equity at all costs. Character, conscience and courage still matter. These people are morally bankrupt. My complaints sent by FedEx twice to Bay Equity CEO Brett McGovern in Corte Madera, California went unanswered. These people have zero integrity! Avoid them. read more

I was referred to Jindra and her team by a Remax Real Estate Agent. I already knew my file would be complicated and need a little work but 5 or 6 weeks of getting the run around and no response and having to send an email to Jindra herself about integrity and communication I gave up dealing with these people. Jindra was very knowledgeable but when never returned calls when she said or gave updates. She didnt even schedule a time for me to meet with her in person like I asked for. This is my 4th time working with lenders to obtain a mortgage loan (over the last 20 years) and never have I ever had an experience like this. After 5 weeks of waiting and asking for a pre-approval which I never received I decided to go elsewhere. The process was night and day with our new lender and we had a pre-approval within days!!! read more

The voice messages, post cards, and thank you notes still are coming after using Jindra and team a year ago. SERIOUSLY impressed with their customer service..... wow. Not only are they great after the fact, but like I said in my initial post, they went through the whole process plus jumping through extra hoops and pulling through for us big time in an Extremely fast fashion. Totally recommend. read more

Phenomenal customer service and a great person. Quick to respond, honest, ethical. They went above and beyond to meet a very quick deadline on a closing, very impressed! read more

Bay Equity Home Loans is the WORST place to go to. I should have done my research on this company ahead of time. They have no 2016 reviews and I know why, because they do not know how to do their job. This company is unethical, CROOKS, and liars. Do yourself and wallet a favor and DO NOT COME HERE!!!!!! My experience with this company starts with Jane Fisher. She seemed all nice at first, but then turned into a nasty creditor. Hounding us for paperwork, telling us to pay for the inspection, pay for the appraisal, I need this document to get the paperwork done faster; whatever the reason, we did what she said. She said everything looked good and we should be closing on the 26 of this month(September), she then tells us that we got denied. We got denied, because the way my bf gets paid. Why wouldn't you tell us this on day one, when we got our pre-approval? My guess is because she did not actually submit her paperwork on the pre-approval. When I asked her she was rude, and said, "Obviously I would have told you if I knew there was a problem. I didn't have enough of the documents until recently to go in front of an actual underwriter." It is not professional to have an attitude with a client, and then to put the blame on lack of documentation. Take responsibility for your lack of work. Jane, procrastinated and gave us false information, without actually having any of the documentation submitted. She wasted everyone's time, because she cannot do her job! So don't waste your time with this company, seek mortgage elsewhere! read more

Efficient, helpful and easy to understand their terms. Jindra goes the extra mile

Our realtor referred us to jindra. From day one we explained how my husband's employment was a contract. She still said she could do a loan. We found our dream home. We paid for the home inspection. Her office had us pay for an appraisal. She then accused us of lying and not being honest about my husband's job. She would not even consider his paychecks. Yet her office kept asking us for documents etc. The gentlemen kept emailing me and I explained to him what Jindra had said. I even asked why are you asking for documents when you cannot do the loan anyway. We went with a different lender. The Interest rate is the same and everything. I'm sitting in my new house as I am writing this. Customer service was horrible. Who calls their customers a liar. Then when I said I was switching lenders she said they will never get us a loan. Then even tried to say since my husband was the actual borrower she didn't have to talk to me. Yet guess what a Power of Attorney is for. He even said he would never do business with her. I would never recommend them. I also do not think they know that much about VA loans either. What a great way to treat someone from our military. read more