MERSC Member Since 2019

Mona Edick – NMLS# 452504
Area Sales Manager
Fax 763-201-5871
[email protected]

Bay Equity Home Loans
MNLS# 76988

Bay Equity Home Loans

Mona Edick has been a proud member of MERSC for almost 20 year and is pleased to provide you with a 1% lender credit at closing.*

Savings Examples:
– $500k loan amount => $5,000 lender credit
– $250k loan amount => $2,500 lender credit

Click HERE to request a no-obligation consultation with Mona

*There is no requirement to obtain the services of the Loan Officer named herein. Prospective borrower/buyer is at liberty to seek and procure his/her own loan officer independently. This promotion must be referenced or presented at the time of the loan application. The 1% Lender Paid Closing Cost Credit from Mona Edick of Bay Equity Home Loans will be applied towards closing costs. Credit is only valid with closed loan transactions and does not apply for any DPA or grant program loan.  Offer valid with applications submitted to Mona Edick of Bay Equity Home Loans by September 30, 2023.

Minnesotans trust Mona and her team to help them refinance or buy a home. She will work tirelessly to provide CREATIVE insights on how you can achieve your homeownership or refinance goals. Click here to read what some of Mona’s clients have to say.


  • 22 years of experience in Minnesota’s mortgage lending industry
  • 2021 Top Producer – National Mortgage News
  • Top 50 women originators 2021 – Scotsman Guide
  • Twin Cities Best 2021 – Super Mortgage Professional Designation
  • Top 1% – National Mortgage Executive Magazine
  • 2021 Top 100 – NAMMBA

Loan Programs

  • Many first-time home buyer programs available
  • Conventional 3% down payment minimum
  • FHA 3.5% down payment minimum – credit score 580 and up
  • USDA 0% down payment
  • VA  0% down payment – credit score 580 and up
  • Jumbo Loans up to $3,000,000
  • And MANY more!

Equal Housing Opportunity. This is not a commitment to lend or extend credit. Restrictions may apply. Rates may not be available at time of application. Information and/or data are subject to change without notice. All loans are subject to credit approval. Not all loans or products are available in all states. Bay Equity LLC, 770 Tamalpais Drive, Suite 207, Corte Madera, CA 94925; NMLS ID#76988. Minnesota Residential Mortgage Originator License #MN-MO-76988.1; Minnesota Residential Mortgage Servicer License #MN-MS-76988.2. Florida Mortgage Lender Servicer License #MLD1014. NMLS consumer access: