Space City Mortgage is powered by Bay Equity Home Loan.  Here you will find all of the information you need to get started on the home buying/refinancing process.  Choosing Space City Mortgage powered by Bay Equity Home Loan is the first step in a state of the art home loan process with service above and beyond your expectations.  Our current loan product offerings are as follows:

  • Loan Options – Conventional, Jumbo, Construction, Home Improvement, USDA, FHA and VA
  • Property Types Available for Financing – Primary Residence, Second Home, Town Homes, Condo’s (Warrantable & Non-Warrantable), Residential 1-4 Family Units, & Investment Properties


Whether you are purchasing a home or refinancing your current loan, applying online is super easy! To begin the borrowing process, please follow the steps below:

  1. Apply Now by completing the application here.
  2. When you have completed the application, click submit and your information will be reviewed.
  3. Our partner, Philip Ringer, will follow up with you to answer your questions and walk you through the next steps.


Our goal is to provide the highest level of service at competitive rates. Our Space City Mortgage loan officer, Philip Ringer, is only a phone call away if you need help. Contact Philip at 281-630-4336.

Back to top