LuV McDowell-Bailey
Loan Originator

Somerset Mortgage Corporation
NMLS #162179

 (912) 399-4422
Apply Now:

LuV has been helping clients in financial services and mortgage lending since 1995. As a homeowner she has experienced the stress and anxiety that can be a part of the mortgage process and as a result she strives to make sure all expectations are fully achieved through great customer service based on superior communication. LuV serves her clients with compassion, integrity, and tenacity. Her passion is to go above and beyond and help borrowers achieve financial success regardless of their situation and circumstance. And most important of all, she sticks with her customers as long as it takes to get them into home ownership.

LuV was born in the Golden Isles and as the daughter of a military officer, honor, integrity, and dedication were just some of the attributes instilled into her character. She not only believes that people deserve to be treated in that same respect, but she puts it into practice. As a child she traveled with her family throughout the world. She and her husband Daniel have three daughters, 1 daughter at home, 1 daughter in college and 1 married daughter with a son.

LuV is truly a lover of God, her family, and of people and she enjoys the rewards of helping others obtain their homeowner goals. Experience the difference with a professional who cares because even John Lennon and The Beatles believe that “All you need is LuV – LuV. LuV is all you need”.


LuV McDowell-Bailey

Loan Originator:

912-638-2020 Office

912-642-4000 Fax

912-399-4422 Mobile  

NMLS# 162179 GRMA# 27232  



Carrie Arrington


Gretchen Johnson
Bay Equity LLC
NMLS #323733, GA-MLO# 29790

Cell: (912) 270-2727
Apply Now:

As a lending professional at Bay Equity, I am dedicated to helping you with all of your home mortgage needs.

The housing and mortgage markets are constantly changing. I can help you navigate the many options to find the right loan for you and your family.

Whether you are buying or refinancing, buying your first home or building your dream home, I can explore with you the many options for financing.

You are invited to apply on-line, or contact me to set up an appointment. Either way you will get my immediate and personal attention.


Gretchen Johnson


(912) 270-2727 Mobile

(912) 527-6264 Fax 

NMLS #323733 GA-MLO# 29790